 If you know the Fed's going to come in and take care of all the depositors every time so no one's ever going to lose money, then where does the due diligence on the bank lie when Uncle Sam's just going to take care of everything? Eric, you raise one of the most important questions of the day and of the weekend, frankly. This is the moral hazard I was talking about over the weekend and I think on Trey Gotti's show. This is corporate cronyism at its best.