Thank you very much for that.
I'll move over just briefly to the credit union.
Ms. Durdin, thank you for the work that you and Michael do. I have a quick question regarding the treatment of credit unions. I want to reiterate what some of my colleagues have said, that it seemed that during this pandemic, and even to today, the credit unions seemed to be left out. You were left out of the Canada emergency business account. It took several weeks for your members to get in on that. Again, it seems to be the same process here.
Is it a structural thing in Ottawa that credit unions are not given the same access to departmental officials? What's your view on this?