 Well, but what I'm hearing you say is it's really out of the hands of Congress or the administration to effect change. It's all up to the Federal Reserve. Pretty much, pretty much. Now, there have been some arguments and there have been some people talking about the federal government does have a little bit of a role in this to their spending because when they spend, particularly when they spend more and they have to borrow more, which, of course, over the last several years, federal government has been doing an enormous amount of borrowing,