It is very burdensome. Just to be clear, we're not asking for the regulatory regime at the federal level or the provincial level to be lessened. Credit unions have existed for decades, or over a century, in a lot of cases. They're well capitalized and well regulated at the provincial level, in most cases.
What we're asking for is for a shorter and more reasonable path for those that are considering expanding outside of their own province. It's never going to happen overnight. A lot of things have to take place.
I would credit previous governments for the foresight to legislate that process. It was thought, at the time, to be a game-changer, as you said. However, the game hasn't changed as much as we would have perhaps hoped a decade ago because of the length of time that it takes.
You know, six, seven or eight years is not something that anybody, frankly, is willing to take on. If it was closer to 12 or 24 months, then I could tell you that a lot more institutions would actively consider going down that road, which would ultimately result in more competition for consumers and more choice in financial services because you'd have more institutions competing at the national level.