Goldman Sachs Group reached a settlement on Thursday to resolve claims that they misled mortgage investors during the financial crisis between 2005 and 2007. The settlement amounts to $5 billion, which will hit their fourth quarter earnings by $1.5 billion.

The firm set aside a $1.45 billion provision in the second quarter though, in anticipation of this settlement which breaks down as: $2.385 billion in civil penalties, a $875 million cash payment, and $1.8 billion to homeowners and borrowers whose mortgage exceeded the actual property value.

This pales in comparison to the settlements reached by other banks; Bank of America paid $16.65 billion in 2014, and JP Morgan paid $13 billion in 2013.

The subprime crisis was an all too telling moment in American history and though some may receive reparations for being taken advantage of, there’s still a long way to go.

If Goldman Sachs had just played the Powerball, they could have gotten back their provision, since they’re so good at gambling.