 I don't know. I'm not that guy. All right, that's the wrong. Okay, I'll just shut up right now. Please. And Audible. You know Audible. I do know Audible. I do know Audible. So U.S. regulators plan to force regional banks to issue debt and bolster their so-called living wills. Brian, how would these changes help protect the public if more failures were to occur?