 The regional banks got hit hard because they invested wrong. I mean, a lot of the ones that are hurt so bad wasn't from so many defaults. It was more from investing in treasuries. And then the interest rates rose and their prices dropped. They should be a lot harder on regional banks, honestly, or not regional banks, all banks. What do you mean hard? Well, the requirements for assets compared to the deposits because they really don't have to have all your money in there. Everybody's like, oh, they got my money in there. No, they don't. They borrow it out. Right.