Okay. I would have been able to ascertain that had I seen your notes.
Anyhow, I'm a little perplexed with the obstinance of not having a review. It shouldn't be your call.
Mr. Mali, you referred to the pre-publication of regulations for co-op banks, or federal co-ops I guess is what you call them, yet you've owned a bank—not you, but Vancity—since 1997. Am I hearing that Vancity would rather be going to the credit union model, but on a national basis, as opposed to a banking model?