I have a small cow-calf operation outside Ottawa, and I know how difficult this business can be. We can try to do something about the economy at the Bank of Canada, but sadly, we can't do anything about the weather. One clear positive for Saskatchewan has been the fiscal record of the provincial government, which is currently projected to post an eighth consecutive surplus.
I want to emphasize that, as with compliance-risk management programs, the breadth of a banking organization's program and system review should be commensurate with the size and complexity of its operations, the range of its products, and the demographics of its markets.