 out there. So that's the first point to understand. But as far as some of the fixes are concerned, I fear, Charlie, that unless and until we have a fiscal crisis where the government literally runs out of money to do any of this or its credibility is such where it's not able to guarantee and do these kind of bailouts, the government will just keep on doing what it's been doing. If it has to stop somewhere, I'd say one of the most important things, and this is where I hope that someone like