I'd say that on a system-wide basis. But as a specific credit union in central Alberta, where we're in 12 rural communities, we're not experiencing growth right now. The unfortunate part of that is that we serve five communities that have no institution in town, and we're finding it more and more difficult to justify our existence in those communities because they're earning below the average rate of return that we need to sustain our organization over the long term. Our competition in those areas isn't the chartered banks or other credit unions; it's the three crown corporations we're facing. That's the unfortunate part. If crown corporations would complement, as opposed to compete, with us I think the long-term benefit for our rural constituents would be a lot better.
