 One-on-one pitch inside from right-hander Grant Ford, two-and-one the count. So I guess one of the questions I remember that we've talked to you about on the broadcast before, can you explain the key differences between a bank and a federal credit union for somebody that might not know? Absolutely. We offer almost all the exact same services, but as a credit union and being not-for-profit, our goal is to get all of the profits that we make and return them back to our members, our account holders. Of course.