 often talk to credit union CEOs about this. What specifically are you doing to attract my 23-year-old son? Because he does everything on his mobile device. So how do you engage with him in a manner that allows him to want to be part of a credit union from a membership standpoint? So digital prowess, relationships per household, and continuing to ensure that everyone understands the need to advance this cause of catering to these middle market consumers. Those are some of the highlights that I would