Eric Jacobson

And then by the way, depending on code, they might be coming back pretty quickly.

So you can see some of these things colliding where the smart principle isn't necessarily followed, whether it's because of staffing issues or just having an expectation of what What can be achieved in a time period? I remember when we were all out on the West Coast, there was a guy that worked in the office named Eric Jacobson.

And I remember him saying, Mark, only so much water is going to go down the sink at one point in time, right? There's only so much that can be done with the resources that you have.

Any thoughts on achievable or timely and any advice to credit unions in that regard?

Yeah.

Oh, and Eric Jacobson.

And Eric.

He really led that one.