 It's very simple. So the bank knows the money's there. They know it's highly liquid. They know it's insured. They know it's guaranteed. They know it's safe. In fact, FDIC considers tier one capital. They rate the tiers of different capital. I've shared this a few times. Tier one is considered the safest capital of all. And there's only three assets that fall under tier one capital. And that happens to be cash, cash equivalents, and cash value and life insurance.