That's a great question. Yes, I do see that in time for some credit unions. There are probably one or two a year that may occur in Alberta, typically small credit unions that one or two people are employed in, or that are open 12 hours a week—that type of thing.
I know there was one credit union that experienced some difficulties and merged with Servus. So certainly those will continue. I'm not sure at what rate.
The other interesting aspect, though, that we've worked on with the three credit unions that are similar in size to us—we're $500 million, and Servus is $11 billion—is that rather than merging we have set up a subsidiary funded by all three of us. We're starting to run all of our back office aspects through that. It's a collaborative initiative as opposed to a merger in that regard.