They have people at the bank, they go, 'OK, some of these people don't have enough money, so we better take their money away from them because they have so little.' That's it. There's no explanation better than that. If you have a lot of money, they give you money just for having it. They go, 'Here, take this guy's $15 -- the hell with him. What the hell's he doing with it? He's just wasting our time.'