The big thing was the the back the capitalizing of the banks which you know ended up to the taxpayer Not a cost at all because the banks have paid back beyond that But anytime you're the government standing behind the banks as we are now You're creating a bit of a moral hazard. The risk is that you create a run on the how do we not help the lawn mower guy who had 10 million dollars in silicon valley bank and got hit? That's a problem. And so we need we need some more fundamental reform on that but this particular crisis started with really bad management and bad oversight.