 So I meant Nancy Bergulina. Well, that's just an opinion, though. It is just an opinion. She's good. Yeah. And it's not the only agency. I mean, they all have the right. If you're going to violate a contract, they all have the right to come after you. But the reality is, banks got better things to do than to go after performing loans. Well, you hope so. Yeah. Yeah. You would. And again...