Thank you, Chair, and thank you to all of our witnesses for your participation today. It's very welcomed here.
I'm going to start with Ms. Mentzelopoulos in regard to risk-sharing. Credit unions, particularly the further west you go in this great country, are in the rural areas. Often they are in locales where there isn't an alternative financial institution. Oftentimes they're very localized because that is the nature of credit unions.
Obviously, they have high capital requirements. They can only loan out a certain amount, because that credit union can't spread the risk over a wide system in the way that one of the big-six banks can, so this risk-sharing thing could be very painful, could it not, for a small credit union?