Curtis Griffith I think you can count on us always leaning on the conservative side about what's in that reserve. It just lets everybody sleep a little better at night. And there are metrics that do justify it. We're just -- we're not seeing huge difficulties in our portfolio. But as Brent said, when we spot something, we start working it right then. We don't let problems fester because that usually doesn't end well. So we will stay as conservative as reasonably possible, I would say, in keeping the reserve ...