Referring to the financial literacy, yes, absolutely. They do more than I even was aware of. Ms. Menke can probably articulate it a little better than I can, but I actually sat down with some of the banks and asked them to tell me what they're involved in.
They're spending millions of dollars on financial literacy to their customers already, so that's a good start, but we're certainly hoping we can focus all of that. We're not discouraging them from spending money, from telling their customers what products are available, how to protect themselves, and what's the lowest cost, and also focusing the overall direction so that it's a concerted effort.
Ms. Menke, you may have a further comment on that.