Let me add, first, that when we say financial services, it's the banking services that we have. Desjardins will operate in every province, but through the other types of services, life insurance, etc. For the banking-type services, of course, since it's provincial and you have your caisses populaires, you do those through your caisses.
Desjardins is acting in the other provinces, but it's done through affiliation, for example, the caisses populaires federation of Ontario. The other ones can be clients of Desjardins. They can buy some services, for example, in compensation, or some products, as we also do with the credit unions. It is an ongoing challenge because it's provincial everywhere. That's why Alterna constituted a federal bank, so it could serve its member clients in other provinces.
This is an ongoing challenge. Right now the federal government has put forward a new piece of legislation to allow a federal financial cooperative, which is nice, but it also has some challenges. It doesn't allow one to work in a network or a federation, like Desjardins is doing, which we believe is essential to remaining grass-rooted in your community. You want to remain really connected to your community and loyal to your members, and you ask that from your members in return. This is one of the challenges.
Also, the reserve, which is possible to share, is another challenge.
We need a lot more discussion, of course, because I believe the caisses populaires and the credit unions are tightly connected with our provincial authorities. That's part of their success, too.