If you're thinking about, let's say, the Axos fiduciary services investments. The reality is, is that a lot of banks with a primarily fixed-rate loan portfolio saw their margins have a significant negative impact associated with them, right? So I think that you are seeing those benefits with respect to loan and margin rates in a lot of the things that we're doing, because we are competing in an online savings environment that has big competitors, like Goldman Sachs offering to 280 rates.