I'm going to have to interrupt you, Mr. Phillips, because I do have some other questions. I was asking for a simple answer to a very simple question.
There are over 1,000 credit unions, not just 348. I know you said there were 348, but there are actually more than 1,000 credit unions across the country. Most of them are small credit unions that are not going to be affected. I also want to say that credit unions—