That could -- from the failure of these banks. >> were you satisfy weekend that answer? >> oh, not at all. because we all know if you're going to insure all deposits in all banks and say some banks are systemically significant and important, and others are not, that it is going to be tough on your small banks, your community banks, they are going to try to drive deposits into four or five national banks. and this will be the end of the banking system as we have known it. and you see that there was bad management. you look at who the board was with svb and have you to look at what happened here...