Mr. Patrick Casey:

At issue is the concept of using the network of 259 credit unions. I understand there are 540-odd locations if we include branches. That concept is valid by way of coverage. Mr. Sibley has mentioned the notion that credit unions are individual entities that lack size and scale and, therefore, could benefit from access to expertise, including the benefit of access to scale by working together. Certainly, in the support services area we can think of the Canadian model-----