As Mr. Allen said—and I agree—it is about the members. The mission statement doesn't change. It may grow bigger, the activities going against that mission statement may be different, but you start off with saying “I'm serving the members”, or as somebody said yesterday, “I'm helping others. I'm serving others by being part of a cooperative.”
But your decisions come from a broader scale. In a standard corporate structure one person may very well make billion-dollar decisions—right or wrong. In a cooperative situation it's about the group making the decision for the risk, right? It's one vote, one person, and that's how we get there.
Something that came up earlier in one of the other panels was about small credit unions, caisses populaires. You're the biggest, so I'm going to pick on you. You are run by the same rules as all financial institutions across Canada. But some were saying that some of the rules are a bit onerous for a one-off shop, for a very small caisse populaire or credit union.
What are your views on that? Should you be forced to follow different criteria or procedures from the smaller guy's, because it's harder for him?