 and spread my $25,000, um, FDIC risk insurance risk over all these different banks. And so that's one of the reasons that, uh, people, uh, do this is, is that, you know, it's like, I, they're worried about the 25,000. They don't want to be driving around and they still want to have all of that money in one place. And so this is sort of one advantage. Now you have to understand that if you're buying it, like we, if we were to do it for our clients, we would just do it for free, but you have to understand that, uh,