 Mainly so we're not competing with the private sector. And I think that is the concern of those that are in opposition to this. In your opinion, how do we balance those two priorities? You're absolutely right, Congressman. We need to always be striking that balance. And in striking that balance, one of the things that Congress is very clear about XM Bank is that we're supposed to be crowding in, not crowding out the private sector. We're supposed to be additional to any particular transaction. Those are the things that we, our underwriters, write to as standards.