What if on the depositor side, all of the things you put your money in are money market funds? And then when the bank goes out and does its lending business, it does ultimately at some point have to package those up and they get turned into securities. When you when you invest in a money market fund, you're giving that money to someone who's using it to make a loan. There is also maybe some thought here that the FDIC 250 K limit, maybe that's outdated certainly for businesses,. so maybe that should double or triple.