 maybe they can afford a little bit more risk. But we always, always want to cover the back end by having that right amount of safety. Because if we don't have that safety, we're going to end up just like we were back in 2008. Nobody wants that. So that's why it's so important to have that balanced portfolio and have these open conversations. Hey, what's on your mind? What's concerning you? How can we help you? What can we do to give you that peace of mind?