“um And and that then you had this big change that happened you know at the end of 21 into 22 where the markets just really froze up. And so capital was ah you know much more scarce. There was the interest rates started going up. Then you had a bank crisis where several banks like SBB and um First Republic collapsed. and There's like every sort of, should I say to the regulators, every stress scenario that we put into our original business plan we actually lived through.”