 And he brought in a guy by the name of Benjamin Strong, a young guy, a banker, to go in. He'd go into a bank at night, audit the bank all night long, and come out and meet with J.P. Morgan at 9 o'clock in the morning at J.P. Morgan's office. And he would tell J.P. Morgan if that bank would be able to survive or if it was close to survival or if it was just toast.