I think it would be challenging, that's for sure.
It would have to be regional in its approach. I don't think you could do it on a national level, unless you were dealing with the national institutions. Local solutions could be found in that way, and those are conversations we're having right now about how to find efficiencies amongst ourselves.
I think we have to take a good, hard look at board members, insurance plans, and all those sorts of things. It would not be so much for institutions at our level that are now ready to take that next step forward, but for many institutions that will go under if they don't find those efficiencies.