Thank you.
To the panel now, across Canada there are different mutual groups, including credit unions and co-ops. Do you see anything in terms of a national theme down the trail within the next five to ten years, where we would maybe have an organization from one of the provinces establish themself in other provinces and become part and parcel of the financial landscape of the country in terms of.... The Royal Bank is everywhere. The Canadian Imperial Bank of Commerce is everywhere. Do you see mutuals also taking that role across the country, being financial institutions that one can plug in anywhere in Canada—yes, no, maybe?