Small Banks in the US?

I remember writing stories after the financial crisis about how there were no new banks created for, I think it was three or four years after that. And then the one that was created was an homage bank in Pennsylvania called Bank of Bird in hand with a very specific business model. So definitely an issue in the States. What are you saying in terms of other countries and specifically Germany where you've been doing some work? Yes, it's I mean it's sad that we don't get many new banks being set up, particularly these local community banks which we need. They've been driven out of business. We need to do to work in the opposite direction.