For sure, one thing I would say right off the bat is that because FCC has great products and flexible products, we attract a lot of customers. At the same time, I want to remind you that of course almost all of our customers, I would say somewhere between 96% and 98% of our customers, also deal at another financial institution, that being a caisse populaire or a bank or credit union, as the case may be. We in almost every case share that customer with another financial institution. So oftentimes we might be doing the mortgage financing, and that other FI might be doing some of the short-term credit, operating loan needs, some of the personal property needs, which we would do some of as well. So I would say it's a combination of who serves those customers.
The thing I would say is that all of our customers have choice. So no customer of ours has to do business with us. They only do business with us because they chose us from what's available to them.
We believe we offer a team dedicated exclusively to agriculture, so our agricultural expertise at the front line is second to none, and I think our customers appreciate that.