As I mentioned in my remarks, we have 59 banks as members. It's very diverse, from larger institutions to some smaller institutions. For the larger institutions, NHA MBS is a securitized vehicle. It's been getting a little bit more difficult over the last few years to use that model. The larger banks are less reliant on that model. Our smaller institutions, which are probably more reliant on the NHA MBS model, would need a pool of mortgages to securitize.
So some of our smaller institutions will have been hurt as well from these recent changes.