Yes.
Thanks for declaring your bias and your support of the sector. I appreciate that.
Historically, individual credit unions have not been able to be direct members of Payments Canada just through its centrals, of which there are five across Canada. This bill will amend the governing legislation of Payments Canada to allow credit unions to have direct membership. There's a cost associated with that. Not all credit unions will likely choose to bear that cost and become members of Payments Canada, but the bill allows those that choose to do that to have access to all of the services associated with membership, and, as I said earlier—subject to the discretion of the Bank of Canada, ultimately, of course—access to the Bank of Canada's standing terms on liquidity facilities and other emergency lending facilities at the Bank of Canada.