My view now on federal legalization is that will only happen when 45 or 47 states are legal for both medical and recreational cannabis use. The feds are too cowardly in congress to risk a stance on the issue until it's no longer really a stance at all, just a validation of the reality after most of the states have approved. As for SAFE banking, anybody's guess at this point if anything will progress on that or when. There will be talk again before the midterms, but so what, more talk.