 So there's not much I can do to help you if that's the case, other than maybe getting you into something that will give you a better long-term interest rate, which, by the way, let me mention this. It is a public service announcement, a PSA. For folks out there that have got money sitting around, I think a lot of people have picked up on the fact that you can do a heck of a lot better with an online bank than you can online.