 When the Federal Reserve says we're going to increase interest rates, and then they increase them not once, not twice, not three times, not five times, but they have a consistent pattern of increasing interest rates. Just know that deposits who are sitting on banks at 1% or 1.65%, they're going to flee to higher interest rates. That's going to create a liquidity bubble. That is not a capital issue. It's a liquidity issue. And that's exactly what the executive, the SVB, completely missed.