 And they now give a sexy feature that even people in our country will like, which is no politics, apolitical. There's no social media score. You come on in and we treat you fairly. And so they're really, really looking to make the disintermediation. What a lot of people don't understand, though, is that when we look at what our liabilities are, our national debt are, we go immediately into financial crisis if they're able to achieve this.