Okay. Thank you for clarifying.
I'm going to move to the credit unions, please.
We certainly heard this before when we had testimony from different officials in terms of credit unions. You mentioned in your testimony as well the model of knowing your customer and things like that. I can see that certainly in a lot of communities, but there are still credit unions in big cities and a lot of customers, and it would pose a challenge to know your clients all that well.
I understand that's the model, but in today's day and age that's certainly not possible everywhere. How would the credit unions see their role in ensuring that you do try to know your customers, but if you can't physically know them, that you have other conditions in place?
I'll ask you a two-part question all at once. Also, we know from the larger banks and the testimony we heard earlier that there are systematic flags built within the system. The average teller isn't going to know that even though it might be an amount under the $10,000 that is being transferred, there are flags built into the system. I can't imagine that every credit union—the smaller ones—could have that technological infrastructure. What role do you see in terms of knowing your customer and technology and those costs, then?