I do think there is opportunity to explore partnerships and synergies in that way.
I'll reference two things. One is that when we recreated our credit union legislation in Saskatchewan back in the early 2000s, there was actually a provision built in that enabled credit unions to consider postal services in-branch for exactly such a partnership as that in small communities.
The second thing is that I referred to Farm Credit Canada as being one example of a competitive rub with credit unions for a crown financial institution providing private sector financial services to agriculture. We can show data and trends to illustrate that their expansion of powers really created a competitive friction between the two organizations.