 There's a reason why banks are very profitable, and it's because they control the banking function in their life. All we're wanting to do is help families, individuals, businesses do the same thing. Exactly. You've said it all a lot. If they're doing it, why shouldn't we be doing it? But the reason why people aren't doing it is because they don't know about it. That's the big, big, big part about it is that they don't know.