The financial system getting in bed with crypto did that hasten this? It didn't help. I think it's happening a little bit faster than most people expected it to and you know these are all you know like Silvergate and S.C.BThese are all companies that were doing business with F.D.X. and in the crypto currency as well. Why did they get so involved with such a speculative asset now obviously we can ask this question with subprime mortgages but in crypto when you look if you explain crypto currency right to a you know McDonald's employee that got to the country a month ago on a raft they would maybe tell you they didn't feel safe investing in it