If you aggregate all the credit unions, together they're about the size of the National Bank. Because we're all independent institutions, our capacity to utilize that size is somewhat strained. We do some of the things that Alan identified, like working together and cooperating, but the reality is that for some of the larger credit unions, seeking out diversification of risk is probably one of the most important reasons why organizations would spread across the country. For instance, you're going to hear from Vancity tomorrow. A big chunk of their operation is in Lower Mainland, B.C. That's a major earthquake zone, so that's something they've lived with since the day they started. The major banks also operate in that, but their risk is diversified by virtue of being in other parts of the country. That's one of the reasons why organizations would do that.
In some of the other provinces the market share of credit unions is actually quite high. In Manitoba it's approaching 45% or 50%, whereas in Ontario it's about 6%. So as people move into other provinces you're more likely to see credit unions come to Ontario than to see Ontario credit unions go someplace else. It will help us in Ontario because it will raise the profile of credit unions. We're small. Our history is a little different from what it was in other parts. In a lot of cases, we grew out of manufacturers that are much smaller today or don't exist. The connection we have with the community is different in Ontario from what it is in other places. From our organization's perspective, it will drive credit union investment into Ontario and provide us opportunities to partner potentially—maybe merge, but certainly partner with other institutions—and in so doing, diversify some of our risk by being able perhaps to invest in other provinces.