First off, there are no credit unions in the north. There are just cooperatives. One of the challenges of the north is the lack of financial services.
I certainly don't believe that we have a secret formula. The north is somewhat of a captive market in terms of the shopping and so on that takes place. The communities of the north are highly dependent on government and government employment. But most recently they have become very dependent on resource development. There are a number of major projects taking place in communities across the Arctic that are having a very positive impact on cooperatives in particular.
Cooperatives are service entities. We meet the needs of community residents. We meet the needs of government. We meet the needs of business, and we meet the needs of the resource industry. It is adapting to try to be there to meet those needs. That's what we strive for on an ongoing basis.