In my last couple of minutes, I just want to go to the credit unions.
You have, in effect, a free exchange among your membership. In fact, it's expanded through this other Exchange network. It makes perfectly good sense as a business model for credit unions because a lot of credit unions are small and are not nationwide. Yet you came to the conclusion that regulating fees was actually a bad idea.
I'm curious as to how you actually ended up with that conclusion. Could you expand on that?