I think from the credit unions' perspective, and certainly from a smaller credit union's perspective, we're there to serve our local membership. We're not out in world markets trying to be creative or what have you. We understand our markets that we operate in very intimately.
What typically happens when you go through a boom and a bust cycle—when things are going south and they're not doing as well, or when things aren't so good and then other institutions start declining—is that people within our communities tend to migrate towards the credit unions.
I don't want to paint the picture that it's a lender of last resort. When times get tough, we're there. We may not be able to help in every situation, but we care about our communities and the people who make up our communities, and we want to see that everyone gets through it.
We'll certainly work with communities in that regard, but when times get a little tougher, we typically see a bit of a surge in our membership. We pick up a bit more business and so on.
It's that perseverance and intimate understanding over the last 60 years that I think has put us in the position we are in today.