Credit cards are such short term loans and most card lenders are already reserving for something like 13 months forward looking losses, that CECL impact shouldn't be that big in the current environment. Car loans and student loans would probably be impacted the most because they have high loss content (relatively) and long duration. When economy dips and default rate picks up, that's when the combination of CECL and regulatory capital review could have greater impact. And then all the cost of reporting and estimating this stuff, just to give everybody a sense of false precision.