Of course, in theory, that would make sense. We see that there are opportunities. There are credit unions that are interested in those kinds of models.
I have to put a little history around what I'm saying. You're saying there's nobody who's going to think that Canada Post should come in and put credit unions out of business. Our historical experience with some crowns has been that we faced extremely competitive lending, both in terms and in price in the past. I don't want to dig up old history, but Farm Credit Canada was one in particular that was a very big challenge for our system. It moved from almost 14% to 15% of the market in 1993. Then it got a mandate to compete directly, and it moved up to 32% of the market. We struggled to maintain our market share at around 10% to 11%. Part of my job was to take the phone calls from credit unions that were saying, “Here's the term sheet from FCC that we can't match; there's no way.”