Thank you, Chair.
I want to go back to Mr. Marshall and the FCC. One of the things you said that has not been said before referred to the other pieces about FCC and credit unions and the competing part. One thing that you said that struck me was that because of the competition in some of the areas where you have a branch and where you're the only institution in that particular town, you may actually have to leave because of the lending going away.
If memory serves me right, when FCC was here they stated they don't do other financial products. In other words, they're in the business of lending in the agricultural field, so they're not a service provider; they don't take chequing accounts.
I am paraphrasing, but they said they don't poach your customers. They said if it was your customer and you offered them a deal, they wouldn't undercut you. Is there truth to that?
Farmers are a pretty cagey bunch. If they know the FCC offers a better deal and they know that if they ask you first, FCC won't give them a better deal, they'll go to the FCC first, even though they might be your customer, as a member.
Is there any truth to any of any of that, or is it completely different from that?