Absolutely.
Ultimately, it's about the consumer. It's about competition. It's about having more institutions competing nationally in financial services.
It's about mobility between the provinces as well. If you're a small business and you want to expand from one province to another, if you bank with a credit union, all of a sudden you have to go to a new financial institution. That is not necessarily debilitating from the business's point of view—it's certainly possible to do—but, like I said in my opening comments, it serves as a vehicle for further concentration amongst the big banks.