Banks are insolvent. They've lost more than their capital base. And er and aing city bank had one dollar share. Now do you think that they were? The thing that fascinates me about this, and there was an article in new york times, sunday magazine by jono sarah on value at risk. You were quoted in quite a bit, and clearly influenced thinking. It's not just a the option value has nothing o s they'v lost everything. But even if you have masse, the negative, expected return, which turned out to be at the expected return from banks.