I think competition will drive that creativity or innovation.
With respect to Desjardins, they are a very significant credit union in Canada and have substantial resources to be as innovative as they are. They're very cohesive in that aspect.
I think that's one of the downfalls of the credit union system in Canada, with the exception of Quebec; we may not be as cohesive in pooling our resources to try to achieve the same types of innovation. That's a lesson we're learning as we go along. We can do a lot better job of that, too.