What I'm saying is that right now we do have the powers, by owning a bank as well as a credit union and other entities, to operate across Canada, and we do use it. We use it in commercial lending, in the VISA business, and the foreign exchange business.
We've learned through experience that we are focused on what makes us strong and stronger, and that's our connection to community. We can't lose that. We're not looking to take the national legislation that allows us to be a national credit union at any cost. That's where we're really strong in our position.