 I mean, things are, it's nervous time. People are very cautious of what's going on. So we wanted to kind of talk about some of the things, the signs that things aren't as peachy as if you're watching CNBC or if you're watching Fox News, you know, every 30 minutes there's some kind of new, hey, you know, everything looks great. Now, there are things you need to be aware of. Prashant, we'll start with you. The fact that we have so many delinquencies out there and those numbers seem to be rising.