 So that way people can do the best that they can do and continue to prosper. And sad to me that it hurts minorities more than anybody else because a lot of micro-businesses that are minorities are trying to start, and they can't. And they can't because of this over-regulation. We're talking to Dr. Van Skin, economist, chief economist with the Pelican Institute, and we're going to get to that FDIC. That's scary stuff. We'll be right back after these messages.