Indeed, it has an impact. I should say that some credit unions have chosen not to engage in tax evasion for ethical reasons. It is important to understand that a credit union generally has a non-shareable reserve. That means that if we sold the credit union tomorrow morning and we closed the books, members would not be sent cheques. The money would stay in the community; it would be returned to the government.
The second reason why we adopted this measure is that we cannot use the markets to get capital. It is the members, through accumulated funds and prudent financial management, who let us build a credit union.
I won't deny that some co-operatives or credit unions have a greater capacity and face various challenges. The fact remains that smaller credit unions are affected.