 People were so afraid that they were just selling anything related in the financial sector. And yet our major banks were in the best financial shape they've ever been in history. And so when you look down to what was going on out West, these two primary banks, they had 90% over the FDIC insurance limit. So they were well overextended. And then you couple that with the significant and fastest increase we ever saw in interest rates in our modern history. And they got caught on the wrong side of their bet.