Mr. Ed Sibley:

To be clear, credit unions today can undertake commercial lending and mortgage lending, and many do. There is inherent tiering in the proportionality that we apply in terms of the approach to engaging with credit unions of different size and complexity, our expectations in terms of credit unions from a minimum standards perspective, and what we expect if they want to have more sophistication in terms of their business model. There is very much proportionality and, as a result, an element of tiering in the approach that we take today. The suggestion that we would spend more time focusing on the credit union sector is something that we would be very happy to accommodate.