Your comment that perhaps the smaller credit unions are not able to use technology as much is partially true, but most do have very sophisticated banking systems that do allow detection of the types of transactions you're talking about. For transactions that would violate the 24-hour rule, definitely, we do have the ability to pick those out from a technological perspective.
That said, there certainly is a component of knowing your customer, because it's a small community. In the larger credit unions, that is lost somewhat, but I don't think we're in any different position there than a bank or any other financial institution.