Finance committee  The federal government has been engaging with the credit union industry since more or less 1996. The focus of the conversation has been on the structure of the system, given the evolution of the credit union system, and then we've moved on to the regulatory discussions. The fed

Finance committee  We have consulted with—

Finance committee  Yes, but we talked in general terms about the changes that we are envisioning—

Finance committee  Not to the regulatory framework per se, but we talked about the need for clarity of mandates. In terms of amalgamations the changes you are seeing to the Bank Act related to amalgamations and continuance are based on discussions that we've had with credit unions. They've identifi