The way is moving too fast, too late to catch it and once you finally figured it out the waves already passed. There's plenty of chips. One thing is what's not changing but maybe you can get on to the wave of change. It's a wave that's moving at a reasonable speed it's not moving too fast. Forgive me I don't know if it's an answer to your question but over my investing lifetime there were more than 14,000 individual banks in the United States.