A typical response to increased regulatory demands in the credit union system is to.... As I mentioned earlier in a response to another question, we get the central entities, these entities that are back-office entities that credit unions have created, historically, precisely to deal with these shared demands on the system. If the issue is not being dealt with by a central entity, they'd be creating a credit union service organization so they'd collectively get together and share the costs out. That's one way they can attenuate some of the costs.
Sabrina, would you like to add anything?