 as it did in the financial market crash of 07-08, the Great Recession. So those are examples where the same thing occurred. There was risk sort of injected into the market, and all of a sudden, we don't know when these things are going to occur. It can only take one firm to do it, like Bear Stearns. We don't know when they're going to occur, but they do occur, and they occur on a reasonably regular basis if you take sort of a long view of financial markets.