Yes, it would, and Mr. Manness has referred to this.
A lot of credit unions in communities where they're the only physical presence through mergers within the credit union system are branches of larger credit unions, and those larger credit unions would be affected by the tax increase. As a way of accommodating the change, it certainly would lead to possible closures. Now we're careful about this because I don't want to predict that this is going to happen to any great extent. But certainly the credit unions will have to cope with this in some manner, and that would be one of the options.
I was looking over the list of credit unions in small communities across the country where they're the only presence. If you look at some of these communities, the population is 97 in one case, and 86 in another, and 150 in another. We're talking about very small communities that have a presence of a credit union—a small, physically present financial services provider. This certainly doesn't help in terms of their being able to maintain that presence in those communities—and there are hundreds of them across the country.