That's not always the case, but I would say generally that the government turns to whomever they regulate directly through OSFI, namely the financial institutions. As you know, most of the credit unions—except for two—are regulated provincially.
We tend to be a little bit behind in getting information. For example, with the Emergencies Act, credit unions were not given a heads-up. As I understand it from the CBA's testimony, they were given a heads-up ahead of time, while we were not. When the act was announced, we were scrambling to find out if we were part of it and if it applied to credit unions. It took us a little while to be able to get that information from the government.