David Sachs was making a populist argument and that's how he was catching it. He was trying to say otherwise there's going to be this aggregation of power in the big four. Why is he wrong? No look okay first of all it's not like the uninsured depositors were innocent naive types like some of them were but you know Silicon Valley Bank had stakes in 3,000 different companies they were if you put your money into Silicon Valley Bank and an uninsured basis you got what was called white glove financial or white glove service.