Thank you very much.
To your point about our mandate in terms of the supervision being limited to the entities that are currently federally regulated, this is correct. In terms of the consumer information we provide, the consumer education we do and the consumer interventions we do, none of those are limited, and those do, in fact, extend.... We do provide, on our website and through our programming, information to consumers about some of the dangers of using fintechs in the current unregulated environment. That's part one.
Part two is that, yes, consumer-driven banking will create a system where the large banks will be mandated to participate in the framework, and then fintechs, credit unions or other banks can opt in. Once we have that within our purview, we will be able to regulate aspects of that framework that will expand our regulatory powers and our supervisory powers.