Banking regulators have created this opacity in the system. You've got all of these assets being held by these banks that are not marked to market. So what's the response? Why take a chance? This move your money to JP Morgan. I think there's a chance that if the federal government doesn't step in here, the whole regional banking system could be decimated and you're just going to be left with four too big to fail banks. That doesn't benefit the little guy.