 investing in what might seem like a bank, but it might not be a bank, meaning your money might not be insured. Take it away, Erin. Yeah, this is not great when a bank is not a bank. But we do know that there's a lot of startups out there. There's Yoda. There's Yieldstreet. There's Juno. And essentially what these are, they're backed by Silicon Valley VC, and they're startups that are banks, and they charge lower fees, and they pay higher interest rates than the traditional brick-and-mortar banks. There are no brick-and-mortars here.