I'll be quick.
I'll just repeat what I said earlier about the nuance with regard to consolidation and mergers in the credit union sector. We need to be able to continue to consolidate to provide competition. It's a little bit counterintuitive. Usually, consolidation equals less competition, and that's what people assume. In our sector, again, the opposite is true, because we need to be able to continue to consolidate in order to provide competition to the large banks in the future.
Thank you.