mary daly? charles: you know, it's amazing because the street, wall street, and the fed, federal reserve, have been on opposite sides of this equation for a while. but when jay powellwo, everyone tight, okay, at least the fed is going to be accommodative,s they're going on the to be on our side. even with today's data and the signs that maybe yields are going back up, wall street, this rally continues. i want to ask you about the banks though because a headline that caught my tang, u.s. prepares rule forcing banks to candies count window. for folks that aren't familiar with it, there was a report from in 2017 titled stigma and the discount window. we know banks did not like to go to the discount window for a number of reasons, so the question is, why would the federal reserve force banks to go there? and i'll tell you the conspiracy theory, and you can tell me if we're wrong. the idea is that there's a lot of banks out there with a lot of problems, if if they go to the discount window, we're going to know who they are, their stocks may falter, and it may trigger some sort of a panic. any other reason why you would force a bank that doesn't need to go to the discoun