We're heavily involved in what you might call microcredit in the first place. The Canadian Federation of Independent Business just came out with a research study. Every few years they rate the bankers in terms of the quality of service, and credit unions came out on top for lending to microcredit, which is basically defined as institutions of five individuals or less. We're doing pretty well in that space.
If you're talking about remote areas, maybe in the Northwest Territories, Nunavut, or Yukon, I'll tell you frankly, we're not there because we don't have credit unions incorporated in the north. However, coming to Darren's point, there may be an opportunity, based on technology, to deliver in some of those areas. We have had discussions with Arctic Co-operatives Limited in the past. I think they were having discussions with Desjardins also, as well as some of the banks, and we were invited in to participate.
We have been interested historically in doing that, but we haven't been successful moving up there.