 relatively bouncing around at a level that is still about five percentage points below where it was pre-pandemic which means that it's cost of borrowing what up people aren't being quite as aggressive and that's why the economy is slowing down they're not hiring quite as many people they're not buying that piece of equipment they're not doing because they're a little worried about final demand and therefore they're being careful which is unpleasant for your bank but it's okay because the companies don't make them profitable and the credit quality is good