You also said in your opening statement that scandals that often involve executives at large banks and investment firms are completely unheard of in credit unions. They're really community based. You get to know the people at your credit union. It's very personal, and it's very different from big financial banks.
Could you explain what kind of role the federal government can play in cooperatives and in helping them from the ground up? It's not about just giving them money. They need follow-up. It starts with education and kind of following through.