I'd like to comment, Mr. Chairman.
As David Phillips indicated, the credit unions build capital through retained earnings. Anything that reduces net income will impact the ability to build that capital. At the same time credit unions, like all other financial institutions, are facing increased regulatory requirements and capital requirements.
So it's almost a double-edged sword for us, in that we're going to have to find ways to generate more income to meet regulatory requirements, and a bigger chunk of that income is going to be taken away in the form of tax. That is going to impact our competitive ability.