 Hey, I got that at the financial crisis. I railed against this. Dodd-Frank, what a joke. So we created too big to fail, and then we made it too expensive for small to mid-sized banks to even exist, and many of them actually had to sell themselves out at a discount, because the big banks knew this, to the bigger banks, because they couldn't afford the regulatory costs. I talk about it in terms of Markowski Investments. 30 years ago, we start this company.