Yes, if that change is not made to the federal statute, and for those credit unions that have that authority, that would be another disincentive to move under the federal statute. Our concern is really to develop this entity, under the federal law, as an option for credit unions down the road. As I mentioned, the act, in some ways, is a work-in-progress.
We did, in our submission, support the principle that deposit-taking financial institutions should be able to distribute insurance in their branches. That is not an issue for us at the federal level, but we accept that, and we support that as a principle, and in jurisdictions where we do not have that power currently, it's a power that we seek when the opportunity arises.
So at the federal level, certainly it would be important, eventually, that this power also be in the federal entity if this is going to be a realistic option for those credit unions that already have that authority.