I think if you were to look at the three things I mentioned - online, non profit and open source, non profit is the one I think is least differentiable if that makes any sense. I think an online open source bank is the real innovative part, not the non profit part. So I'm not trying to be an alternative to credit unions, I'd prefer to be an option for 20 something year olds who spend most of their life online who want to bank online with a bank that's different to other banks. Not sure CU's have the best online systems (have experience in this)