Yes, Brian, on your provision question, as we mentioned earlier in the call, rates being higher for longer, certainly good from us, from an earnings perspective and our trajectory of net interest income. But could put some pressure on some of our borrowers as rates stay higher for longer, which is why you continue to see the build that we had in the quarter. As rates come down, obviously, that puts less pressure on the interest costs of some of our borrowers. And so I would anticipate a lower level of provi ...