 Being stupid should hurt, because that's how you learn not to be stupid. And it should hurt them, and it also should be a lesson to any other financial institution to go in and look at their terms and go, holy cow, did you realize that we're actually prohibiting people from using their own money to buy legal products? We need to stop that. Yes, you do. But the only way we do that is the rolled up newspaper, swat them on the nose to say, don't do that anymore.