 because the feds have raised the rates so much. But to get real growth by leaving it in the banks or credit unions, that's not where you're going to get long-term growth from. You need to be invested. Well, investments come with risk, so you have to balance that. So people want the liquidity, but they also need growth, and many people want a level of safety. Well, how do you do that? How do you get that? Well, banks and credit unions, safe money, and it's liquid. That's great. Not a lot of growth for the future.