No. What is happening right now, especially with the credit unions, is that the small credit co-operatives are starting to merge using the co-operative model. They are merging because they are aware that their small size is preventing them from doing the day-to-day work, as a result of the new regulations and new taxes.
We are also seeing with credit unions that a lot of groups are merging to expand their network and increase their capacity. Here, too, this is sort of the co-operative model that is being used. If a credit co-operative is looking for capital and cannot get it through a bank, it will find another way. We are seeing that, even though things on the ground have changed, credit unions are adapting to the situation and finding solutions.
I know that the Credit Union Central of Canada, which represents the credit unions in Canada, is in talks with the Minister of Finance about the possibility of new taxes to help the sector. It is the Credit Union Central of Canada doing that, not us.