 the more you're going to have to intervene to save it all. Just the Dodd-Frank thing from a few years ago on the banking, too big to fail. We're going to make sure that these banks aren't too big to fail anymore, but what's actually happened is they killed all the little banks, and it's nothing but big banks now because the little banks can't afford all the incredibly complicated compliance that goes with it, and so they just don't start anymore. And so, again...