 It's upside down, and the Federal Reserve doesn't have the backstop to pay for it. The FDIC admits openly they don't have any money to pay for it. So these are all the things that we're facing, and now they just want to keep this thing status quo. We need to address every single one of these pieces of the puzzle and fix it. But the fix is too painful to fix, financially speaking. And that's why they want to sweep it under the rug and tell...