Mr. Kevin Johnson:

The point I was trying to make about the 261 individual entities is that when one starts talking in aggregates it is irrelevant. It does not mean anything. If one credit union is not in that business, it has 100% capacity and another credit union that is in that business and doing the job very well and being prudent could well be tipping the ceiling. To blur them together and say there is 50% capacity is meaningless. The point I was making is that they are individual entities.