Well, they do have to be bank qualified bonds, but I'm sure you already knew that. I think charging 1/2 of retail pricing is fair. Is this a RFP situation? If so, I've thought about getting started in pursuing pools like that, and wonder just what kind of local institutions I might go after, some I'm sure I've never thought of. Years ago, I had 3 local union offices cash accounts. I think back to what that might have led to if my future got altered at that firm...