Recourse, until we sort of found our way into Atlanta, in Atlanta we're trying to bank $10 million, $20 million, $30 million commercial real estate deals, a lot of times they have tenants that may not be credit tenants -- credit rated and all that, but they do have -- they do have balance sheets and operating histories that are maybe a little better than what we've seen in some of our more legacy markets. And so that's kind of what we're wrestling with internally. Do we treat those CRE deals that won't have a little more non-recourse, do we treat them a little more like C&I loans with covenants in the search. And we just -- right now we're just not there, we don't really feel like -- I don't feel like we've got to do much of that to be too creative to be -- like I said, step on the gas any harder, just sort of hit our EPS numbers and our profitability targets. I mean, we are going to be progressive and we're going to be creative where we need to be, but we're not going to alter. This is not the time, I don't think to do something to alter our risk profile. And I don't feel like we have to do that to redeploy the cash flows from Fidelity's auto book, or to get the growth that we're looking for.