I'm Not Getting Valued for What I Want to Be Valuable For

I think there is a little bit of kind of neither fish nor foul here. So you're not really looking like a commercial bank, which I know how to think about and understand. One of the reactions to that is, well, maybe I'm none of those things. And so they start to ditch it. It's only been a couple of years. He announced it three to four years ago as his big thing, and he's basically backtracked. My concern is there may be more problems there than we know about for them to ditch it."