First of all, we do think it's a positive initiative. There are credit unions that are bursting at the seams in their local market, so having the opportunity to move into markets where they aren't as well represented now is an opportunity.
As far as the level of understanding, I think elements in the legislation reflect the character of credit unions. We just received the draft regulations last week, as you know, and there is a 30-day comment period on that. We'll be reviewing those. We think it's a positive first step. There's one credit union that has indicated that it will at least actively look at it, at going federal. We know there are others who are looking at it.
There's a lot to take into account, because it is a different regulatory regime with different requirements and different business lines. There are a lot of factors to take into account. But yes, we do look at it as a positive step.