Because when you uncap deposit insurance, as we've done for the systematically important banks, then you got to watch what they do really, really carefully.
So what the Federal Reserve and the Treasury Department effectively did, although they're trying to claw it back, is to, in some ways, uncap deposit insurance, right?
I think the issue that we run into then, if we do uncap deposit insurance, and by the way, in systematically important banks, this is a classification that is being used.
And then this is one of the really big tax increase proposals that's out there is to uncap it, which would effectively be a 12.4% income tax hike on all your income.
And so that's where we are now, trying to figure out how to arrest that contagion either by uncapping deposit insurance or just hoping that the depositors won't be as mobile as we think they could be, right?