There's a separate impairment reserve that the bank can use to buffer potential credit losses, but bank accounting doesn't account for changes in spreads. BDC accounting does account for changes in spreads. We mark our loans to fair value every accounting period. So when spreads widen, we write down our loans even when they're paying interest on time and even when we expect them to pay off at par. So this last quarter saw meaningful spread widening and that caused us to write down fair values even on our we ...