 Credit score was 800. No problems, no issues. And the bank said, well, the housing market crashed. And so we think we need to take some risk off the table. So we're going to close this line for you. So that was his volatility buffer. And he had no other option. And so when he came to us, he said, look, this is not working out. We need to find something else that I can use as a volatility buffer. Right. Because this was happening before he became our client.