That's an excellent question. The credit unions or the caisses populaires don't have to have special treatment. It's more that the rule needs to be adapted or just thought of in a way that's fitting, for example, for a smaller credit union or a caisse populaire.
I'll give you a clear example that comes up even for Desjardins right now. As I mentioned, we are not one big organization. We are a federation of small financial institutions. So when you're talking, for example, about money laundering, what do you do? I don't have one centralized company where I can grab all the information from everywhere. I have to visit every place. So sometimes the rules could be just thought about and adapted to the reality of cooperatives.