My understanding is that the amount is up to $100,000. Our concern is that if the maximum amount would be imposed on a small credit union, as you said, with say $10 million in assets, that would have very significant consequences, compared to what might happen if a bank faced the same penalty, which would be quite small, I guess, for a large competitor of ours.
That's what we want considered. Of course, there has to be some relationship between the severity of the breach or the issue, and the fine, but there should also be some recognition that institutions of different sizes have different capacities to deal with that.