I’m sure it’s common in the IBC footprint to see policy owners use credit unions instead of conventional banks for their checking/savings accounts. Has anyone done the research, or seen someone do the research, of comparing ownership of the banking function with a mutual life insurance company versus a credit union? I can foresee someone making an objection to IBC in that they “own” the banking function because they are a member of a credit union similarly to a mutual policy owner.