 Now, one of the things of a brick and mortar bank is that it's FDIC insured. These online banks claim to be FDIC insured, and it's not a bold facelive. But essentially what happens is FDIC insurance covers you up to $250,000 of your money. If the bank goes bankrupt, you're covered. You're fine. You get that much back. So all these apps simply do is they collect the customer money. They pass it through financial tech intermediaries, one of which was called Synapse. Synapse went broke.