Is a Net Charge Off Versus a Building Reserve?

So can you explain the difference between what is what is a net chargeoff versus the building reserve? So reserves are, as you say, banks say, oh, we're just going to lose money. We're going to book a loss now rather than forward. Is a net charge off when they actually really like, how does a net charge Off actually happen? You know, do they realize, hey, no one's paying us? Yeah, so you see, you see Net Chargeoffs in the consumer space on, you know, consumer loan products and you also see it in the commercial space. But the main, main street lending is actually a pretty good business so far.

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