 Okay, I know that when we shut down in the late 20-teens, that really hurt our ability and I guess the reputation of the XM Bank, and it takes a little while to get it back up and going, then the pandemic hit. But I think we're in a position now where we need to, especially with China coming on, to be able to compete against them and find a way to get that done. And so it leads into my next question here with regards to Congress passed, and as you mentioned here, President Trump signed into law the