In 2018, there was a change in banking regulations. It had been if you have 50 billion in assets or more, you're automatically considered systemically important. So they raise that threshold from 50 billion to 250 billion. And then over the weekend, the rationale the federal government gave for making depositors whole was actually it is systemicallyimportant. We need to do this because if we don't, there might be a broader banking crisis. I mean, banks are inherently fragile. Even good banks can blow up. You don't want the failure of a bad bank to take down perfectly sound bank. That's a hard problem.