 They did a terrible job of asset management, asset liability management, the 101 banking. And the other course is the regulators went to sleep on the regional banks, took off the stress tests, and the rest is history. And again, neither the regulatory system nor these executives really get held accountable. They did lose their jobs in this case, which normally doesn't happen. And the equity did go to zero, which often doesn't happen if they get bailed out.