 a mighty one that you probably don't even think about as an industry. Which duopoly am I talking about? I'll give you some clues. Let's go back over what we just discussed about duopolies. They're big institutions that take advantage of their size to get even bigger. I'm talking to consultants on both sides, many of whom have been doing this for a long time, and they've never seen this amount of money. As we said, not everyone likes this trend, but the opposition is not winning.