 Well, the purpose of the stress test, you know, banks are required to maintain a certain amount of capital to back up each loan that they make. Right. And the purpose of that is that, of course, if the loan goes bad, it's on the bank. You know, there's no one else to blame. So, you know, banks have to follow very strict rules on how they collect, you know, what they have for collateral, who they loan money to in terms of their ability to repay. Right.