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Reviews all our performance and development agreements on a six month and an annual basis, and we put a cash recycler in one of our branches and when HR reviewed the performance and development agreement they realized that they had an MSR that came through that had no balancing issues whatsoever on the performance and development agreement. And that's the first time we'd ever seen that happen on a performance and development agreement with our MSR, so the cash recycler certainly helped for balancing.