I think the only thing I'll add on behalf of the association and its 64 member banks is that there's a lot of competition for talent and for customers. I think we all know this. The banking industry is competing, and this is absolutely a 100% investment, an investment in employees. When you want to attract people, you want to have them stay. You want to promote them through the ranks. You want to accommodate them. It's an investment in our talent pool.
Also, customer service is at the core of what banks do. Why would we not want to accommodate to ensure that more customers can access products and services?