Is the Cost to Originate Going Down?

Cost to originate is going to be interesting to look at, says Rlik. It's always personnel, credit's always like 70 % or whatever of the pie. We know that because volume's going down, which means there are fewer people that are busy enough to make that a smart mouth problem for them. But if you're making hand over fist during the boom, it's just easier to get a bunch of people than do ther work to hire them.