So it's in the sense of a longer term view. I'm reminded of the business press, which talked about Apple this morning, supposedly the glowing star of the last year, going down in the last quarter. So it seems that all of a sudden, the company is headed for the doldrums. Yet it's the wealthiest company in the world when it comes to capital assets, but somehow the last three months have sent it into a tizzy, according to the business press. I never hear that about my credit union actually. It's usually not in the business press, except when it merges. The last time I checked I got my share dividend last year, like I have for the last 47 years. I was a kid when I went there. My father made me join. He said it was a good thing for me. My father was right, rest his soul.
But, Madame Simard, you talked earlier about the Ernst & Young study. I know it's in your brief and we can look at it. I think you're right that it's a good idea for us to look at that study, but I wonder if you want to flesh that out a little more.
I hear the bell, so you're not going to get much time to flesh it out, but at least add a few more words to it.