they do it for a cheaper price, which means they, fidelity of penco, are doing it cheaper. that's a good thing for them. it also allows corporations to issue deals cheaper. they get a better deal at a cheaper price than they otherwise would have gotten. the liquidity in the markets keeps the spread low and benefits both investors and and issuers. if consumers and investors are educated about companies, then these issuers can do it -- remember, the investors are not infidelity, it's the people they're investing for, and those are retirees, mothers, veterans, it is a good thing. the voca rule, when it came out, has so many pieces to it, all we've been urging people is don't think of it as binary, more or less, think of it as traffic laws. some cars should go 65, some shouldn't. some streets should be different, some lights should be bright, things should be done right. we have the widest, deepest and best carpetal markets in the world. it would be a shame to shed that out of anger or something like that. and remember, all of these securities are different. if we're going to m