Sure. We certainly do our utmost to ensure the accuracy of our legislation. This was an unfortunate error that did occur. Perhaps it's a complex provision to work through. We do apologize for that error. I would note that this bill will correct it, so there should not be any difficulty for the credit unions in that respect.
The measure does have a five-year phase-in mitigating to some extent the impact you were talking about. Absolutely the tax burden on credit unions is projected to increase, but there will be that five-year transition period leading in.