there's no question that this is something sheila bair has proposed. the fdic wants to see a prefund. the treasury would like to see a postfund. they'd like to see it come after the fact. i want to digress for a second and say that i hope the reason that treasury wants a post-fund is not because in lieu of having a pre-fund of $50 billion from these large institutions, they want to see a bank tax. as a matter of fact, i'm going to be surprised if, after republicans argue against a pre-fund and it's changed and the administration comes back and chairman dodd comes back and we end up with post-funding, both of which do the same thing, i might add, and both of them work, it's going to be interesting to me to see if whether that argument basically has led to treasury then having the ability to come back and -- and do a bank tax. i think at the end of the day, that's something that they've