Thank you, Chair.
Let me extend my welcome to the panel for being with us this morning, sharing your expertise.
A couple of questions came to mind in your presentations, gentlemen.
Rob, I'm going to ask you to look into the crystal ball and tell us when, across Canada, the financial way you're handling your credit union will be acceptable to all provinces. What do you think? Is that a future kind of dream that will never happen? Or will the credit unions eventually become the same as banks across the nation and accessible to all Canadians?