Right. Thank you for the question.
Right now I'd say our major challenges relate to staffing, just having the personnel devoted to this IGA implementation, and updating databases to capture the indicia that you mentioned. Probably a lot of the credit unions have most of that, but some of them don't, especially the smaller ones. They may have to do some updating there—and that, by the way, will probably compel or force some mergers. This is one of the other challenges we face in the credit union system: the regulatory burden is compelling smaller credit unions to merge to handle these kinds of challenges.
In terms of the counter-factual, it's hard to say because up until the IGA I know that there was a lot of uncertainty about where it would actually land, and I think that uncertainty was probably the biggest concern we had coming up to the IGA. It was just not knowing how things would play out. So now we have a bit of certainty. I think people can plan for that and do the investments they need to meet the requirements.