 Yeah, it's a lot of online banks and bank closures. I mean, we saw what happened with Silicon Valley and everything else in 2023. And that really kind of highlighted a credit issue in the marketplace. And so people are always asking, what can I do to actually protect myself, right? So make sure that your accounts are adequately protected, things like FDIC. If you own things like an annuity, look into the state guarantee fund and that type of thing. But