Mr. Kevin Johnson:

I have a quick point about capacity. We know the financial capacity is there and there are different ways of addressing the issue of expertise regarding capacity. There was a question about the benefits of a public model. The issue we must consider is access. We must ensure there is a nationwide offering in order that people, irrespective of their common bond, can be supported by the credit union system. It is more of a legislative than a regulatory matter, but it is something we must factor into this as well.