They're looking for that much more return and thus getting riskier. And that's what happened with Svb. They were looking for more return with the depositors assets and the regulators thought it was okay. The banking executives were saying that they weren't risky at all. And I'm sure the truth lies somewhere in the middle. This is where there is some similarity to 2008 where banks were getting extremely risky with mortgage derivatives
And we're going to be seeing double digit returns or double digit interest rates probably by the end of the year. It could be as soon as July. Well, I mean, obviously most of us don't remember this. Some of us do. Obviously, I'm not that old, but they used to have double digit interest rates for mortgages. You used to buy a house and it would have a 20% interest rate on it. And here's the crazy part about it