I'll just add a little bit to that.
In terms of the even playing field, on a federal level, under the Insurance Companies Act, you cannot incorporate a cooperative insurance company. In 1992, when the acts were revised, I was on the joint committee on behalf of cooperatives, with the IBC, the Department of Finance, the Department of Justice, and OSFI, and at that time I raised the issue as to why cooperative incorporations were not allowed under the act. I was told you're just the same as mutuals. It goes back to your question. It's not true. They're two different forms of organization. In a cooperative, a cooperative organization basically rests on the fundamental principles that were established many years ago, and I referred to it earlier—you can Google it under ICA, the “Statement on the Co-operative Identity”. There are seven core principles, and there's a bunch of other stuff around it; there's a long statement around it, but basically that's the value foundation for cooperatives.
Cooperatives came out of the industrial revolution, really, and they were a method for working people to actually ensure that they could eat wholesome food that wasn't sold by the factory owners. That's how Rochdale started. Rochdale couldn't even get a place to have a store because the factory owners owned it. I'm not condemning all of us who have capital—I have capital—but there was a time and a place when working people basically couldn't get decent food, decent wages, decent anything, and the cooperative movement was instrumental in changing that.