Thank you very much, and I thank our witnesses for coming today.
Mr. Bélanger is right: we've learned a lot in these days, and today I think I'm going to learn something new. I think you fit a different role from anybody we've had before us. We've heard from credit unions, both small and large, and the great job they do. We've heard them talk about centrals and the job they help credit unions do.
Where do you fit in this? I'm trying to make it hierarchical in some way—but maybe it's not that way at all.