Silicon Valley Bank had what would be good for most banks. But the problem is that there's this thing called net interest margin where banks have to make a certain amount of money on your deposits. So they said, okay, let's put this in 10-year treasury bonds. They bought tens of billions worth of treasury bonds. This is pretty safe but it's locked up for 10 years. When interest rates went up very quickly, suddenly there was a problem because they couldn't access those for 10 years and they were worth much less. Starting last year, venture funding dried up, start-ups weren't getting this funding anymore from venture capitalists so they were drawing down their accounts. And