Special Committee on Cooperatives committee  No. The cooperative sector.... I guess it goes back to the roots of where financial cooperatives operate in the local communities. We support local business people in those communities. I've made reference a few times here today to different things that we have done in different

Special Committee on Cooperatives committee  Yes.

Special Committee on Cooperatives committee  The committee on red tape—I'm not sure that's actually what it was called, but that's what we call it—made recommendations on ways to reduce the administrative burden for smaller businesses. It's really too soon at this stage to say that credit unions are being looked at through

Special Committee on Cooperatives committee  The discussions have yet to begin.

Special Committee on Cooperatives committee  Our market share in other lines of business is not as high as it is in supporting the small and medium enterprise sector. So it would be true to say that. Again—

Special Committee on Cooperatives committee  I'll answer second, then, and continue the flow. We would agree with some of the comments Mr. Wrobel has made on the regulatory burden. We think of it more in terms of things such as FINTRAC, for example, to which there are millions of filings every year. In 2010 there were more

Special Committee on Cooperatives committee  That's very hard to say. As we said, last year we grew 10%. We don't tend to do that type of system projection to think how quickly we'll grow, because it does very much vary from one community to another. If we gain a greater presence in, say, the Toronto market, where we are no

Special Committee on Cooperatives committee  I would say that the challenges credit unions face include that we're in a competitive marketplace, competing with banks every day. We do not have an international focus at credit unions. We are in the domestic market, competing in small towns and large cities across Canada with

Special Committee on Cooperatives committee  First of all, we provide a high level of service. I mentioned at the very beginning that consistently in surveys, for seven years running, credit unions have ranked at the top of financial services in terms of offering service. That's the most effective way for us to compete. W

Special Committee on Cooperatives committee  In our case, the $140 billion in assets would be largely loans to members.

Special Committee on Cooperatives committee  Yes, for member-owned institutions, the assets are owned by the members.

Special Committee on Cooperatives committee  There are two entities in the credit union system: Central 1, as Mr. Wrobel referred to, and Concentra, which is based in Saskatchewan. They're both federally regulated, and they have both participated in the mortgage lending programs.

Special Committee on Cooperatives committee  I don't have the total number.

Special Committee on Cooperatives committee  It's less.

Special Committee on Cooperatives committee  I'm sorry, I don't mean to be flippant. No, we don't collect that kind of information.