if it is in an insured account in a bank, it is absolutely protected. there's no way you can lose it. i think for money that needs to be absolutely safe and you need to have quick access to an insured depository account is the best place. >> there was some fear at some point you would run out of money. >> right. >> how do you not run out of money if the banks fail? >> i don't think that would ever happen. as a precaution, we increased our borrowing lines with the treasury, borrow up to $500 billion if we needed to. i don't see a scenario that we would have to do it. we are industry self-insured and went into the year with $66 billion in cash. >> to highly oversimplify, is it like an insurance policy? >> it is. the banks pay a premium to us for the deposit insurance and that's what we use when we close things and we'll obviously take losses when we have to. we pay off the losses. >> sometimes you don't take a loss. sometimes you pay off the bank. >> sometimes we don't. usually we do, but not always. it's nice when we don't have to. that will depend on how good the