That's a valid question. I think the point with the social housing co-ops, the whole section 95 discussion, is the recognition that these co-ops serve a much bigger purpose than the for-profit enterprises. If one of our members who has a social good, in this case that of social housing, were to come to the Assiniboine Credit Union and ask for some flexibility around penalties, fees, conditions, and we recognized that our decision was going to have an adverse or negative impact, restricting or limiting that member in fulfilling its social mandate, we would certainly be flexible and open to looking at alternatives and solutions in working with that member. We recognize that this is not simply a financial relationship or a financial transaction, but there's a very real, practical social impact—
On July 27th, 2012. See this statement in context.