The Counterfactual Is Worth Exploring

I'm a big fan of more regulation, right? Increased banking regulation. I think we should absolutely split the banks up to your point. We used to. The Glass-D Eagle Act got, got thrown out and created the conditions for the GFC and frankly the conditions for Silicon Valley Bank and others. It's not like I'm less a bank, and less a bank that gives me seed funding for my startup. But neither of us has the data to assert, to, to prove the assertion that we're both making from different directions. Were they lending student money? Probably yes, to some people at some point. But how do you find the right line in a system where that