And we, of course, know from the fractional reserve banking playlist that there's a slight discrepancy between what I told you, the depositor, and the reality of the situation, because the first thing that I'm going to do when you take this is, you know, I've taken your deposits and I could charge you for keeping your money with me, but I've come up with a slightly sneakier scheme, where I say, hey, I've seen your behavior. 