 So the stress test, the regulators are making the banks carry more capital than we thought initially. Fine. All these companies have an enormous amount of capital. What is interesting is that for the first time, they told the banks they do not have to get approval from the Fed going forward to buy back stock. They can do it if they have enough capital and the boards approve it. They're on their own. This is the first time since the great financial crisis, Larry. So that to me is a very big positive, and I think the big six –