It's a trend more on the credit union side, where financial institutions are coming together for economies of scale. We see it more on that side than on other sides, whether it's agriculture or manufacturing or tourism or transportation, those kinds of things. Those are still fairly independent, locally owned industries. We probably haven't seen it to quite the extent that you have in Quebec.
Mergers in the co-op world are a little different, in that entities come together and merge for economies of scale, for the provision of better business services, for more cost efficiency, those kinds of things. But the enterprises are still owned by the individuals involved, by the local community members, by the constituents in the communities, so they're not big conglomerates, so to speak.