Okay. Well, maybe could you touch on the competitive landscape, too? I mean, obviously, everybody is trying to do that same thing and grow -- retain their existing and grow as well. I'm just curious, has the competitive landscape remain relatively tame or are you seeing that pick up? And if so, where are you seeing competition from primarily? Jeffrey Deuel Okay. That's helpful. And kind of maybe following up on that. Could you maybe touch on -- you gave the pipeline numbers, obviously, were down a little bi ...