8 Congress explicitly stated in HOLA §5(a) (12 U.S.C. §1464(a)) that it was providing for chartering of federal thrift institutions "for the deposit of funds and for the extension of credit for homes and other goods and services," and, further, that the lending and investment powers conferred by §5 were "intended to encourage such institutions to provide credit for housing safely and soundly." We question the logic underlying issuance of a federal thrift charter for a limited purpose trust institution without depository powers in light of this explicit Congressional statement of purpose; cf. 12 U.S.C. §27(a), as amended by Financial Institutions Regulatory and Interest Rate Control Act of 1978, Pub. L. No. 95-630, §1504, 92 Stat. 3713 (inserting a provision that a national bank is not illegally constituted solely because its operations are limited to those of a trust company and related activities). However, that inquiry is not germane to this opinion.