 as we look at that. And I'll also say that our strongly held view is that discrimination has no place in the banking system, and that includes appraisals and other valuations. I agree with that. And quickly, I was glad to see that CFPB and other agencies recently finalized a rule that creates strong anti-discrimination standards for automated home valuations. The Fed has not yet approved this rule. Why not, and does the Fed plan to do so?