Nobody said S&T or Levfin - I said M&A. Scroll up and read carefully, it will slowly come to you. And yes, we in M&A do merger model to see if the acquisition is accretive or dilutive. I brought up LBO as an example to let you know that you have to create pro forma statements in LBO. There's a key difference between saying the former and actually doing it - maybe your small back office brain can't process it.