 have more capital than the big 20, and you're going to have the haves and the have-nots, and I think you're going to see a lot of different buyback announcements coming. That'll be a catalyst. And secondly, commercial real estate, they have all pared back their commercial real estate exposure. Most of them have A properties if they have within commercial real estate. Wells Fargo is the one that has the most. It's about 12% of their loan book, but only 2% is C properties.