The Future of the Stress Test

If the Silicon Valley bank had gone through this stress test exercise, the latest one, I'm not sure that you would have seen problems detected because precisely, because they didn't have an interest rate section as part of it. In other words, like, didn't this show the flaws in relying on stress tests because it's potentially garbage in, garbage out. Well, there's always changes made to the stress test, whether it's housing value or interest rates or such. But I think they're now going to add concentration of deposits in there. We learn from each and everyone.