 work with all of you to understand that no other ECA or no other, especially the PRC, does not have that type of constraint. But we are very clear that working to level the playing field is very important. And so getting a carve out on the default rate during reauthorization would also be very important for us. OK. What is it now? What are you writing off? What is the default rate? It's about 1.012 right now. OK, good.