I believe I'm the only person saying out loud that our biggest risk from AI is that it will be accurate. The other risks are not to be laughed at though, those are real. Apple has entered banking, they've got a 4.15% savings account and you would have to move into some other account before you could spend it. Do you know why there are savings accounts? And then there are also checking accounts in the bank. Both of them are a thing you put your money into and then you get your money out of. There's no good reason for the consumer. Let's put it that way.