This was essentially the point of the SPDI in Wyoming. The problem with State Bank charters as I understand is that you still have one of the Fed or FDIC as your regulator in addition to your state regulator. The SPDI was specifically architected to get around the FDIC, be largely regulated in state, but still get the benefits of Fed membership. It’s a tricky needle to thread and I don’t believe any state charters would achieve what you’re saying, other than the SPDI in Wyoming which is getting challenged by the Fed currently.