Desjardins is among the largest of the financial institutions in Canada. It started off as a grassroots organization in one place and grew. As Madame Gagné just said, you recognized a need. You didn't go places you weren't needed. You went to where you were needed and became successful that way.
Please correct me if I'm not stating correctly something you said, but I believe you said you're democratic and that's how it works, and you take less risk because of that, because you must have commitment from your members to move forward on items. Did I paraphrase you correctly, even if I didn't quote you properly?