 Balance sheets may be somewhat lopsided. Maybe there's a lot of assets that aren't earning assets. You know, it could be a lake home or a home in Arizona. It could be, like you say, killer toys or whatever it might be. But if you can muscle build that balance sheet that is full of earning assets, and I don't know what the magical number is, if it should be 90% of all your assets or 95%, but I guess it depends on what scale you're in, what scale and what space you're in, and that makes it work for you.