 Well, frankly, I don't think we even require submission. We've been through a massive stress test to think about what happened through the pandemic. And for three consecutive years, we were told that the system was adequately capitalized. We get a new vice chair who comes in and makes a dramatic proposal that everyone in the industry told me would have been devastating in terms of our competitiveness as a nation. Our banking system is one of our true sources of competitive advantage here in America. And this would have placed us at a huge disadvantage relative to Europe and relative to other banking systems across the world.