Yeah, all totally fair points. I'm probably close to 51/49 just on my own internal feelings and would have been pretty happy just to continue with the way things were. I've been a member since the 90s precisely because of the not-a-big-bank thing, but it's also hard to ignore that size does matter positively in other areas. I just couldn't come up with a solid prediction of how it would likely be more bad than good, and trusted our board.