 in 1998, then, of course, the global financial crisis, the banking crisis of 2007-2008, then the pandemic, and then, as we sort of said, that even something like SVB, the government feels compelled to bail out. So we have gone from one extreme to another with no culture at all of bailouts to now the culture where we've got to bail out every company at the slightest hint of trouble. And the precedent that sets is very dangerous because then the average American feels if that