The government, if it doesn't raise the FDIC limit, is basically just creating extra work for everybody. So this people are going to the street will find its own use for technology and how to hack this. And that's what's happening with these services. I'm watching it happen. They're doing all these sweet accounts. The old fashioned view or the traditional view of this, they would say that, well, you want those startups being paranoid. But there's a hugely destructive problem that comes along with placing the depositor in charge of disciplining the banks. It's the regulator.