 If that's the case, Chip, candidly, they're doing both the borrowers and the institution a favor because the borrowers need lenders that can work with them during challenging times. That's an imperative. And as the number of bankers that were around in the 80s during the last go-round continues to diminish because of retirements, candidly, there are fewer and fewer bankers that have seen long-term challenging times within the industry.