I think that what we did after the great financial crisis was the regulators wrote down all kinds of new rules. And now we're in 2023 and these rules can be written in software. I don't see how it will be very easy for somebody to create a bank that just stores your money for you without you being charged quite a lot of money, unfortunately. It's kind of a dumb tangent. Why doesn't a product like this exist? Because every for-profit business is in the business of making money; there are physical costs that you have to bear. We haven't talked about banks' role as lenders at all. Banks play a really critical and important role for lending capital