The small banks out there who are trying to hold the most important customers they have, which is your business customers, are fighting a losing battle. The Fed today is so bureaucratic and so ossified that not only do they not know what's going on in the markets, but they model liquidity. Right now, if you look at the 10-year, it's headed back to 3%. What should the Fed be doing right now, Carol? They should peg that 10-year to about 3.5 and say to the desk in New York, if it goes below 3.5, sell.