Okay. Thank you very much.
The one point maybe I would finish on is that one of the areas we think would be important for the government to support cooperatives in accessing financing has to do with section 95 co-ops. These are co-ops, particularly in the social housing area, whose funding agreements are expiring and who are limited in their ability to refinance their existing mortgages with CMHC due to penalties when they refinance those mortgages. The Assiniboine Credit Union would like to be able to support and assist the financing needs of these co-ops, bearing in mind that if they're able to refinance their mortgages in the absence of any penalties—ordinarily charged through CMHC—it would make it easier for the financing arrangements and would assist these credit unions' capacity to refinance and meet their capital requirements as these housing stocks become older and require more maintenance.
Thank you very much for this opportunity. We are certainly in a position to answer any questions you may have.