Thank you, Chair.
I thank the witnesses for coming. It's important that we hear your testimony, and certainly we've heard a lot of really positive testimony, as my colleagues have said here today.
I do have a number of questions.
First of all, Mr. Marshall, just to let you know, I happen to be a member of Servus Credit Union, and I was quite delighted with its expansion. I see that they have almost 60% of the Alberta market. Do you see further expansion of, say, the Servus Credit Union or other credit unions merging with some of the smaller ones to become bigger and stronger?