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Higher yield. the profit rates are going up, and. that is why banks are traditionally profitable. and now we have escalating interest rates, and we have what is called a conversion rates now. so shortly, the cost of buying short term is actually more expensive than long term so short term rates are higher than long term rates which is completely upside down because it is a financial institution that borrows short term -- that can be a problem, so i do think that [inaudible] . you need the pressure that yield to come in. because that also can make a very profitable banking model unprofitable if...