Mr. Kevin Johnson:

I would hope so, Chairman. Again, in the interests of fairness, some of the engagements directly with credit unions in recent years have strengthened the credit unions and improved the overall governance. That is why we have bought into a package. However, when we get to the one area that allows us to move on, that is the concern we have and that is the part we do not understand. Why is that the case when we now have stronger, more competent and more capable credit unions?