Thanks very much, Mr. Chair. And thank you for being here today.
As I mentioned to our last group, this has been a really valuable couple of days. We've been able to really focus on co-ops and their role in Canada. And I must say that it's really encouraging to see the strength of co-ops on the ground. We've heard, from numerous co-ops that have come in front of us, about their growth, their strength, how well they're doing, and how they're contributing to the economy. I'm glad to hear that this is continuing in the discussions we're having now.
I wanted to make a comment to Jodie about the financial co-ops and the federal regulations. The regulations have been gazetted. There's a 30-day comment period. Your comments are welcome. Of course, they'd have to be filed through the gazetting process. The point is that there's a 30-day window open as of July 6, when they were first published, and all feedback is welcome.
I am interested in the Concentra model or the model of co-ops that basically offer more than just financial services. They offer financial services, groceries, gas, and a number of different things. What's the general business model they're using? In other words, is it just one co-op offering a number of services? Or is there an umbrella co-op with sub-co-ops underneath, each one specializing in a particular area, particularly given the difference between, let's say, financial services and goods and services such as gas and groceries? Could you comment on the business models and what you've seen?