So how did that idea come about and what does that do?

I think it's interesting, you know, we've been in the precious metals business through now three different banks since the early 1980s and never thought of it before.

But, you know, people like liquidity and, you know, as metals moved in that time frame, you know, from, you know, $150 to $4,500, people had a lot of value stored there.

and don't want to sell their metals.

And it occurred to us, this is probably not as brilliant as it sounds, that people might want to access some liquidity and use their precious metals as collateral.

It's not unlike a margin loan and a broker-dealer.

You can use your stocks, bonds, mutual funds, and so on for the same purpose.

Anything else that makes BattleBank stand out from the competition that you have?

Can you first start us there with your assessment of the potential risk, systemic risk to the banking sector by pullbacks in any of this? So what has been called the bubble of everything? Should that occur in the next few quarters as some are calling for?

I think there's a number of different things we can talk about there.

I mean, you mentioned commercial real estate and real estate pullback.

Obviously, a lot of that happened in the 2008 to 2012 Great Recession.

I'm old enough to have seen that three or four other times.

It varies times through my career in the late 1980s, early 1990s, around 2000, and of course, the 2008 to 2012 era.

And that does impact people and it would concern us.

corporations.