Yes. It's difficult to go back and recall the minute by minute and the day by day in the heat of the crisis. The minister's office ultimately made it clear that credit unions were to be captured by the invocation of the Emergencies Act and the financial sector measures contained therein. It was also clear to us, as we said before, that the large banks, perhaps, had a few days' head start, not on the details but at least on the fact that something of this nature was coming.
I reviewed the testimony of the Bankers Association when they appeared at this committee. They indicated that while they knew a few days ahead of time that something of this nature was coming, they didn't get the details until the regulations were published publicly, which is when we all saw them. That was Wednesday or Thursday of that week. I don't remember the precise timing.
There was a good, I would say, 36- or 48-hour period in the middle of that week during which there was a great deal of confusion with regard to (a) whether or not this would apply and (b) the nature of that application.