That was the beginning of the housing price cycle, housing prices going up. So far, so good. You keep going and say okay, now what happened and how far did it go? And we all know it went a very long time. There were a couple of things that were really important, though, that got everybody sort of out of kilter. Usually when these bubbles happen, it's almost always because of the fact that you miss the forest for the trees. And the way this cycle- People missed the forest for the trees. They relied on the rating agencies, the paper coming off was triple-A. Triple-A paper. Think about that. If you're a risk manager and you say, "This is a triple-A piece of paper." And they stress it. How bad can it be? I'm not so sure