The one area that I'd suggest we're different from banks is that we are locally owned by members in our communities. We're locally governed by several of those members; in our case it's nine directors on our board. We turn around and invest every dollar that we make right back into our communities, whereas our counterparts, the chartered banks, don't have that same commitment.
Soon we'll be in five communities that have no institutions other than us. We've seen banks actually pull out of rural sectors throughout Canada just because, for them, it makes economic sense. So I guess at the end of the day, although profit is important to us, because of sustainability....
If you want to eliminate tax for credit unions, that would be wonderful. That would be one more step towards helping that. But we do pay income tax.
That being said, we're not driven by earnings per share. We're driven by what is right for our community, as long as it's a sustainable venture in that regard. That's a fundamental difference. I say this from experience. I've worked in a small chartered bank. Believe me, every quarter there was a lot of pressure on producing the appropriate EPS. In a credit union environment, you do what's right 5, 7, 8, 10 years out, whatever is right in that regard. That's the fundamental difference, if I may say, Brad.