other -- much easier way. >> i'm going to disagree with you right out of the chute. let's start with the whole concept of banking. you are taking money from depositors, imogen, large deposits. she expects she can call the bank and get her money back dollar for dollar tomorrow if she wants. >> she is very demand. >> here. >> here would be fine. then the bank takes that money and puts it out in a form of loans to the most -- rob. for years. five years. and we also take the risk, no offense, rob, that you might not be able to pay back the loan on time. so -- we are arbitraging your desire for safe short-term deposits, long-term risky assets and that risk taking function is at the core of the banking system. exactly. >> it is a real valuable service. we need to have it. it is -- all these things. >> in both cases, the depositor