They still don't address that, because it's an absolute. It's not a structural thing. I think it needs to be looked at further. I think that's where it's not set up in a way to support what they need. There are some disadvantages, more probably at the macro level. Whether they're intentional or not, I agree, is another issue.
Otherwise, as a business, as a cooperative, the way we run Vancity is that we create a sustainable growth model to ensure that our accumulation of equity is enough to keep pace with our ambition for growth. It has to be through retained earnings as the primary source. In addition, it's how we distribute retained earnings—we give 30% of our after-tax profits back to our members and communities every year—and still maintain enough equity.