We think we're already pretty good competitors of the banks. And certainly if you look across the country, you'll find the credit union system is growing in membership each year, growing in assets, growing in locations, and has a pretty good market share in some of the markets. Not universally across the country, but there are locations where we're competing very effectively. We're full-service financial institutions and very strong as competitors to banks.
Concerning the evolution of the system, I mentioned that in the case of the Cooperative Credit Associations Act, there are improvements there that may establish an association under that act as a more attractive organizational structure for credit unions.
As credit unions get larger and perhaps look to cross-border powers, a federal charter is something that may become more attractive. And at the federal level, those are changes that would be beneficial to the credit union system in the longer term. It's not an immediate issue for us, but we can see that is the direction in which our system is evolving.