Mr. Alan Merriman:

I wouldn't say in that explicit way but, in the round, and it was something EBS did continuously, it did have extensive member forums. It had a lot of engagement with members, it did a lot of surveys, and the feedback was still very strong that the members wanted EBS to preserve. They wanted EBS to continue and the client ... you know, the satisfaction surveys and all that ... and, ultimately, at the end of the day, EBS was still able to provide mortgages to its members at competitive rates during those times. So EBS evolved but it still was serving members. It still was fulfilling a need.