 so far. But one of the things that we should all be talking about is the safety and the confidence we have in our overall financial system. As a result of 2008 and 2009, we saw a strengthening of the capital standards. We saw new tests. All we have to have are regulators that follow the law and apply the law. We'll be better off. But the banks that we have today are safer than they've ever been. Now, here's an anomaly in the system.