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Excluding FinPac, charge-off activity at the bank remains at a very low level.
In comparison, the remaining cumulative charge-off number is the same number as the CECL allowance number.
I think the question on the quarter, and there was definitely a little bit of noise vis-à-vis we changed the policy on the consumer side, where we were going to 120 days to charge-off.
Slide 20 includes the latest in our retail auto net charge-off outlook.
The delinquency and charge-off rates on commercial real estate were 0.68% and 0.04% at the end of last year.
You've long targeted about 6% to 7% net charge-off rate within the total book.