 the year the Fed was created, would cost you about $3,000 now for the same thing, because the dollar is only worth about 5 cents compared to what it was in 1913. And so that's why we need it in the Fed. The beneficiaries are, well, real estate investors, stock market speculators, and people of that sort. And of course, the Fed itself, and the biggest beneficiary is government itself, the federal government.