A bit of a barometer, an indicator that the economy is having some problems that they are not doing as well as they otherwise might. but in the -- at the end of the day, it's not something for a depositor or someone taking out a loan to worry about. investors need to pay attention to it because it does effect the cost of money to those banks but only at the margin. >> bill: those banks will have to pay more to get money in or something like that. >> that's right. it's suggests that they are riskier when things are riskier. you have to pay more for the privilege. that's exactly what's going on....