It will increase competition. It will allow us to continue to provide, as I had said earlier, the only real competition that exists for the large banks. You know, there's a long tail of fairly small credit unions that still exist in Canada and they will continue to exist well into the future.
The reality of the sector is that consolidation continues apace. What used to be a couple thousand institutions only a couple of decades ago now numbers fewer than 200. The majority of the assets of the sector are concentrated in the top 10% of that number. We have consolidation and concentration taking place at the top end of the sector as institutions grow organically, and also through consolidation and mergers to be able to compete. Because the costs of technology and regulation are increasing, you need a certain level of scale to be able to do that.