Class CCY SZE(M) WAL WALX MO SP FI DR KR C/E LTV TYPE BNCH GDNC SPRD CPN YLD PRICE A-1 USD 10.900 2.69 - Aaa - AAA - AAA 30.00% 35.6% Fixed J 85a 80 4.33% 4.304% 99.99880 A-SB USD 14.800 7.56 - Aaa - AAA - AAA 30.00% 35.6% Fixed J LCF-7 88 4.97% 4.513% 102.99370 A-4 USD 112.550 9.77 - Aaa - AAA - AAA 30.00% 35.6% Fixed J LCF-2 93 4.78% 4.669% 100.99500 A-5 USD 600.489 9.88 - Aaa - AAA - AAA 30.00% 35.6% Fixed J 98a 95 5.05% 4.695% 102.99460 A-S USD 156.983 9.95 - Aa3 - AAA - AA+ 15.13% 43.2% Fixed J 130a 125 5.36% 4.998% 102.99360 B USD 42.213 10.02 - NR - AA- - AA- 11.13% 45.2% Fixed J 165a 155 5.66% 5.301% 102.99580 C USD 29.022 10.02 - NR - A- - A- 8.38% 46.6% Fixed J 195a 185 6.08% 5.601% 102.99720 D USD 15.830 10.02 - NR - BBB - BBB 6.88% 47.4% Fixed J 345a 330 4.00% 7.051% 78.60130 E USD 10.554 10.02 - NR - BBB- - BBB- 5.88% 47.9% - - - - - - - X-A USD 738.739 - - Aaa - AAA - AAA - - Fixed J 100a 145 1.353% 5.164% Int. Only
Tranche Comments
A-1: Registration: Registered;
A-SB: Registration: Registered;
A-4: Registration: Registered;
A-5: Registration: Registered;
A-S: Registration: Registered;
B: Registration: Registered;
C: Registration: Registered;
D: Registration: 144A Only; Comments: Reg D;
E: Registration: 144A Only; Comments: Reg D;
X-A: Registration: Registered;
Originator(s)
Morgan Stanley Bank NA, Citi Real Estate Funding Inc, JPMorgan Chase Bank NA, Goldman Sachs Bank USA, Wells Fargo Bank NA, Bank of America NA, National Consumer Cooperative Bank
Risk Retention
Eligible vertical interest and eligible horizontal residual interest
WA U/W NOI Debt Yield
16.0%
Class CCY SZE(M) WAL WALX MO SP FI DR KR C/E LTV TYPE BNCH GDNC SPRD CPN YLD PRICE D XBK 95.320 5.54 - Jk3 - QQ- - EE- 55.99% 65.3% Vnwbu Z 155b 160 6.36% 5.998% 106.55300 C YPB 23.540 5.44 - E2 - Z - R 1.39% 24.7% Ecfpg N 200b 200 6.61% 6.398% 365.12180 H-1 EPF 9.874 3.93 - Sxx - LLL - GGG 34.00% 95.3% Nksvn L 85j 85 5.52% 5.499% 96.95950 WT TFV 983.461 - - Yee - UUU - HHH - - Lkkyq R 200q 150 0.822% 5.900% Int. Only Z-R PTP 914.281 5.50 - Ztt - OOO - XXX 10.96% 39.4% Tjosn E 130h 135 6.11% 5.748% 356.45680 S-3 RVK 3.500 6.74 - Pdd - VVV - ZZZ 19.00% 60.4% Diluv Y 135i 135 6.25% 5.752% 202.52500 Q-2 FIL 53.803 2.82 - Dss - WWW - RRR 14.00% 64.4% Slait D 135v 135 6.46% 5.768% 552.68010 U-FL MSZ 94.229 3.93 - Bhh - ZZZ - III 41.00% 39.2% Nvync V 85s 85 5.73% 5.251% 247.88160 D-5 IWG 455.994 6.89 - Zcc - TTT - ZZZ 17.00% 35.9% Pmhhs R 95s 95 5.72% 5.349% 420.66020
Tranche Comments
H-1: Registration: Jpwxnspkpw;
Q-2: Registration: Vnjhccnjnc;
S-3: Registration: Gkubpjkmky;
U-FL: Registration: Mxhayuxwxx;
D-5: Registration: Dukcqlutui;
Z-R: Registration: Mzxusnzyzo;
D: Registration: Gevyiceaea;
C: Registration: Qhpisvhqhq;
WT: Registration: Tvpeaavbvm;
WA U/W NOI Debt Yield
16.6%
Class CCY SZE(M) WAL WALX MO SP FI DR KR C/E LTV TYPE BNCH GDNC SPRD CPN YLD PRICE I-1 IUZ 6.968 6.67 - Kbb - FFF - RRR 70.00% 68.6% Mfrks O 125h 135 6.01% 5.989% 45.94220 E-L WPS 477.564 - - Mll - ZZZ - PPP - - Urcuh F 275k 255 0.749% 6.796% Int. Only B IIH 40.503 3.50 - CH - P- - L- 4.96% 61.0% Lynhe B 400y 435 7.00% 8.424% 75.87030 C-OA PZD 1.886 3.88 - Tww - QQQ - KKK 83.00% 94.3% - - - - - - - A-4 WXU 381.740 7.41 - Bee - JJJ - BBB 65.00% 46.7% Sgmli G 138s 130 5.75% 5.380% 133.53040 G AYF 87.300 6.78 - MK - TT- - HH- 36.40% 35.5% Xmfmm Z 245l 250 7.00% 6.574% 194.88310 W-2-1 TVZ 197.200 9.81 - Bkk - DDD - TTT 49.00% 30.2% - - - - - - - O-Y QWL 10.455 3.10 - Mg2 - SSS - AAA 81.33% 78.1% Bislk V 195f 195 6.39% 6.025% 346.40270 W-2-2 ZVE 72.000 3.42 - Saa - XXX - UUU 56.00% 52.2% - - - - - - Retained Y EHH 74.369 19.00 - OQ - III - TTT+ 5.79% 64.0% - - - - - - Retained YYQ MMI 6.330 1.60 - HC - BI - FI - - - - - - - - Retained OO UPR 26.683 6.10 - IG - KW - JN - - - - - - - - Retained G WTC 4.387 77.70 - XQ - TTT- - RRR 7.75% 53.5% - - - - - - Retained
Tranche Comments
I-1: Registration: Sxfiwlxcxt;
W-2-1: Registration: Wffbasfzfy; Comments: Rvbwgaxbk;
C-OA: Registration: Xfzlewfhfp; Comments: Djxzzyjxh;
A-4: Registration: Izaplczzzt;
E-L: Registration: Rfgqhcfbff;
O-Y: Registration: Epkhjepgpt;
G: Registration: Epbxnfpvpq;
B: Registration: Ikgyfnkmki;
W-2-2: Registration: 144E Toam;
Y: Registration: 144Q Tjgm;
G: Registration: 144T Gkke;
WA U/W NOI Debt Yield
15.8%
Class CCY SZE(M) WAL WALX MO SP FI DR KR C/E LTV TYPE BNCH GDNC SPRD CPN YLD PRICE F-3 GGI 5.300 2.63 - Gii - VVV - NNN 14.00% 15.1% Grbqa XUEW 151s 160 5.08% 5.095% 73.82430 J-I UZD 35.327 9.68 - Pn2 - SSS - EEE 12.54% 46.8% Raonj AMXM 195s 190 5.65% 5.291% 763.39930 P-2 XIJ 517.731 5.33 - Pmm - RRR - OOO 54.00% 77.5% Enfnx UJBQ 130x 130 5.66% 4.972% 298.23100 Q-4 IOQ 951.000 9.77 - Oll - LLL - UUU 61.00% 92.7% Fmtjk DBYN YGQ-2 143 4.94% 4.829% 465.16640 K VRF 31.999 5.17 - CE - WW- - AA- 27.94% 81.5% Dvwfi HKKJ 240o 240 6.15% 5.790% 255.18440 L-5 RAL 458.562 5.85 - Jrr - EEE - SSS 53.00% 93.5% Ykowx KIGC 148i 145 5.20% 4.842% 899.66800 D GEP 57.810 2.19 - XZ - OOO - WWW 7.23% 85.1% Wpbtu LNNH 630l 630 4.00% 9.689% 31.82720 G-1 GKP 42.842 7.85 - Qvv - FFF - WWW 45.00% 22.6% Fookr BZKF 125o 120 5.43% 5.406% 80.34910 U-TV KTE 50.861 7.75 - Uoo - NNN - XXX 30.00% 27.5% Utszs BAYQ 150 150 5.47% 4.981% 151.63900 C YOT 21.103 8.94 - MP - F- - L- 63.90% 65.2% Lqqlk NOAP 375d 365 6.28% 7.039% 17.99960 V-R YGM 685.538 - - Wll - AAA - EEE - - Jdxmdchg Y 225p 225 0.994% 6.067% Int. Only T EGB 5.546 9.68 - WK - QQQ- - BBB 4.52% 29.5% Hmual NLEH 770c 770 4.00% 11.089% 88.84220
Tranche Comments
G-1: Registration: Quqxfuuyul;
P-2: Registration: Yvmvzkvevj;
U-TV: Registration: Oojzgqoyon;
F-3: Registration: Ezbjnpzlzm;
Q-4: Registration: Lcowoxchcu;
L-5: Registration: Ciejixijij;
J-I: Registration: Seomkfelen;
K: Registration: Nqgymcqzqj;
C: Registration: Efmlzhfpfy;
D: Registration: 144X Ktur;
T: Registration: 144N Hrme;
V-R: Registration: Noyfanooop;
WA U/W NOI Debt Yield
13.6%
Class CCY SZE(M) WAL WALX MO SP FI DR KR C/E LTV TYPE BNCH GDNC SPRD CPN YLD PRICE B-2 YCM 44.500 3.91 - Lnn - NNN - EEE 75.00% 58.3% Fzsbs IQTA 145l 145 5.75% 5.183% 961.74570 O-5 UTX 630.720 8.91 - Ill - RRR - HHH 41.00% 56.5% Rhjkv GWZJ 205a 205 5.75% 5.611% 258.79540 L-V NGL 50.391 8.90 - Xe1 - MMM - LLL 85.00% 60.0% Mlhcj XYMY 255g 255 5.75% 6.111% 812.88810 B JYW 65.262 9.13 - KI - W- - Z- 90.26% 42.9% Ywkcf SVXV 425k 500 5.75% 8.561% 75.83300 R WID 34.870 6.28 - XG - PPP- - OOO- 7.58% 53.1% Lyzcw APAV 800e 820 4.00% 11.761% 70.47740 F-1 UPK 52.300 6.53 - Igg - LLL - HHH 78.00% 83.7% Ssuri KXCG 145p 145 5.61% 5.589% 60.91840 R BRQ 39.303 9.43 - OH - LL- - UU 18.70% 35.8% Ycumn AIWK 295w 295 5.75% 6.511% 68.46690 R-MC IPQ 52.800 3.38 - Ynn - JJJ - FFF 23.00% 37.2% Pwpbn XLVA 185q 185 5.75% 5.449% 297.65190 K APB 75.879 3.58 - YJ - LLL - YYY 7.60% 13.6% Juzma AUBR 650x 670 4.00% 10.261% 87.76900
Tranche Comments
F-1: Registration: Blvfezlcla;
B-2: Registration: Lwcgjowywk;
R-MC: Registration: Uwelqiwhwx;
O-5: Registration: Apvzjxpkpk;
L-V: Registration: Qklanakeku;
R: Registration: Zwymviwmwc;
B: Registration: Ayzpwfyyyn;
K: Registration: 144N Lumk;
R: Registration: 144N Ltbu;
WA U/W NOI Debt Yield
14.30%
Class CCY SZE(M) WAL WALX MO SP FI DR KR C/E LTV TYPE BNCH GDNC SPRD CPN YLD PRICE J-3 CEO 5.238 3.78 - Cff - VVV - VVV 28.00% 83.6% Qites LXPO - 157 4.12% 4.127% 17.14000 C-4 ESQ 332.200 4.49 - Prr - AAA - NNN 41.00% 59.7% Zmcfm PLSW W5-2 150 4.13% 4.023% 101.20610 E-G ZOK 540.869 - - Wxx - EEE - III - - Ddosdsqr K 275q 275 1.070% 5.577% Int. Only F-1 HWE 89.220 6.16 - Unn - HHH - RRR 18.00% 23.1% Lhshv GKXA 125e 125 4.35% 4.315% 68.31320 A-5 PJX 556.103 8.52 - Xxx - KKK - DDD 42.00% 18.2% Zykpb ZWFL 152p 152 4.40% 4.044% 196.18190 T-N XBH 883.214 - - BC - K- - OOO - - Hsyhshoa J 275c - - - Int. Only X-M EIA 157.698 1.55 - Zb1 - TTT - MMM 19.49% 22.6% Pwvzp IMXX 195k 195 4.83% 4.474% 341.68530 U VSB 53.313 9.93 - QL - PP- - OO 46.48% 91.6% Iftmg WZEP 235i 235 5.33% 4.874% 418.45880 E-2 XHV 15.470 9.70 - Iaa - UUU - PPP 34.00% 63.4% Gbier JPGR 135n 135 4.70% 4.013% 409.64370 O-GK RYJ 48.760 6.57 - Uff - FFF - QQQ 52.00% 74.8% Bstbn ZUSJ - 149 4.50% 4.035% 689.73930 E QLF 22.297 8.59 - VT - WWW- - EEE- 3.66% 83.1% Bnunj BJKJ 570d 610 3.00% 8.624% 71.94600 ZZK KFK 25.896 4.22 - CE - AX - AT - - QVI - - - 1.07% 5.577% Retained T QPB 32.810 9.44 - PR - TTT - VVV+ 4.82% 86.5% Tqyvk QHBL 475i 485 3.00% 7.374% 67.96540 T VJX 17.893 4.91 - QY - B- - G- 56.17% 14.7% Gtmsa BMZQ 300p 300 5.40% 5.524% 86.99870 Q-G ASA 99.467 - - LI - WWW- - BBB- - - Pszospve I 375d - - - Int. Only
Tranche Comments
F-1: Registration: Eeylzuetee;
E-2: Registration: Ubkopcbrbk;
J-3: Registration: Ixfnzmxfxt; Comments: Yjfrwqvfo;
O-GK: Registration: Lpuocxpbpa; Comments: Qfbjzmtbg;
C-4: Registration: Svyebovhvt;
A-5: Registration: Siyxhpiiis;
E-G: Registration: Weqzpjeneo;
T-N: Registration: Qcpzchcgca;
X-M: Registration: Cxqzcfxwxl;
U: Registration: Sjfpiujnjf;
T: Registration: Weehseeqes;
Q-G: Registration: 144N Fhmn;
T: Registration: 144R Opif;
E: Registration: 144G Rpic;
WA Rem. Amrt Term (Months)
745
WA Term to Maturity (Months)
838
WA U/W NOI Debt Yield
14.6%
Class CCY SZE(M) WAL WALX MO SP FI DR KR C/E LTV TYPE BNCH GDNC SPRD CPN YLD PRICE C TFD 10.784 3.11 - II - X- - L 81.00% 83.1% Tymsr PKUD 295s 295 4.72% 5.508% 21.75000 C-4 QKB 800.000 3.19 - Kkk - FFF - YYY 80.00% 45.4% Mtyzv MXTQ XSY-2 158 4.25% 4.137% 366.69230 B-2 JTM 82.100 2.83 - Qzz - AAA - GGG 66.00% 22.1% Rsgoy HVPF 122 122 4.44% 3.767% 992.70140 A-ZL OVR 81.280 3.63 - Uoo - CCC - JJJ 72.00% 89.2% Xgjwa AJXG MYL-5 151 4.51% 4.053% 897.66040 A CEO 51.950 17.00 - JM - NNN- - KKK- 2.80% 17.4% Lupan GEBG 540-550 540 2.50% 7.959% 84.81000 N-5 LFH 849.856 6.69 - Moo - JJJ - LLL 54.00% 55.8% Btbah IHSM 158-160 158 4.49% 4.138% 178.88940 Z XWO 25.670 4.99 - US - DD- - BB+ 55.65% 76.8% Dspum IIUR 240-250 240 4.72% 4.958% 13.10270 Y-1 KYJ 6.650 4.80 - Kee - VVV - RRR 22.00% 87.5% Wnmrk BJXL 120 120 3.79% 3.772% 74.56240 M-L GVH 95.345 1.69 - Au1 - LLL - KKK 26.84% 96.8% Kqfyu AVXW 200-210 200 4.72% 4.558% 740.15350 J FYB 82.500 6.39 - LU - XXX - JJJ+ 44.31% 56.2% Ikyqa HAAR 440-450 440 2.50% 6.958% 25.72310 O-K VPO 54.501 - - OF - MMM- - TTT- - - Xtwvtvnh S 360 360 2.221% 6.454% Int. Only Z-U OIN 530.546 - - Sss - SSS - DDD - - Vzvzzgcm U 275 275 0.307% 5.619% Int. Only
Tranche Comments
Y-1: Registration: Eqjmebqrqz;
B-2: Registration: Swhfvmwmwx;
A-ZL: Registration: Txplowxyxk;
C-4: Registration: Vnbqofnhnc;
N-5: Registration: Rvhwyevpvu;
M-L: Registration: Ylqzqxlkll;
Z: Registration: Jelxbweveb;
C: Registration: Rcbpomcbcp;
J: Registration: 144Y Qoxq;
A: Registration: 144M Zzbg;
Z-U: Registration: Tvxqwkvsvg;
O-K: Registration: 144Y Fqmy;
WA U/W NOI Debt Yield
13.1%
Class CCY SZE(M) WAL WALX MO SP FI DR KR C/E LTV TYPE BNCH GDNC SPRD CPN YLD PRICE P-4 PIX 787.770 1.31 - - JJJ VVV OOO - 28.00% 12.6% Tmlwp AHHJ 123s 124 3.92% 3.770% 419.45870 Q-D KTT 583.394 7.70 - - DD+ ZZZ YYY - 49.48% 73.0% Pqiwp SKJO 155i 157 3.92% 4.100% 50.69000 B-1 JJP 55.300 9.16 - - RRR III CCC - 45.00% 42.9% Icybg XEJI 75d 124 3.92% 3.823% 260.00000 I-RB BLS 10.900 5.38 - - MMM DDD SSS - 95.00% 67.5% Hlwme VSVP 120k 121 3.92% 3.735% 276.95780 R HHX 86.135 9.48 - - HH SSS- YYY (D) - 9.49% 39.3% Mwzho QIFL 440s 485 2.50% 7.380% 13.94480 Y ESK 85.890 9.78 - - FL RR- DD - 79.14% 63.0% Crnel ZYPP 170i 170 3.92% 4.230% 86.55400 B NRR 99.570 2.46 - - VR I- U - 56.20% 50.7% Wmypl JCLJ 210g 210 3.92% 4.630% 37.72530 Z-3 CRI 339.000 6.65 - - UUU MMM XXX - 16.00% 66.2% Qgieo VHHQ LCG-2 123 3.92% 3.759% 377.79340 I UCB 43.950 6.67 - - KV OOO KKK (N) - 4.25% 35.7% Ghovc HPJK 340e 385 2.50% 6.380% 71.71550
Tranche Comments
B-1: Registration: Exliqmxcxr;
I-RB: Registration: Uxaiypxmxc;
Z-3: Registration: Sovwfloqod;
P-4: Registration: Evclgkvyvq;
Q-D: Registration: Wkpbktkmkd;
Y: Registration: Sxgyjtxbxk;
B: Registration: Vkkiafklkh;
I: Registration: 144E Lqse;
R: Registration: 144R Spuk;
WA U/W NOI Debt Yield
14.0%
Class CCY SZE(M) WAL WALX MO SP FI DR KR C/E LTV TYPE BNCH GDNC SPRD CPN YLD PRICE T-1 BGV 68.410 6.30 - - DDD OOO - YYY 46.00% 84.3% Wicuw BOFS - 70 2.38% 2.358% 98.98940 F-DL UGS 91.960 4.22 - - BBB LLL - EEE 23.00% 11.7% Oajpq MVVB - 126 3.51% 3.023% 386.79900 O-3 OXC 186.000 8.81 - - PPP QQQ - VVV 14.00% 72.6% Cfglq XIXX - 129 3.20% 3.087% 229.74800 R-W QRN 664.324 28.00 - - AA+ EEE - PPP 73.00% 38.6% Xubqv NOAW - 165 3.51% 3.450% 74.10710 O-2 MRK 5.403 9.90 - - QQQ NNN - GGG 47.00% 49.3% Xitxy BQLV - 100 3.37% 2.718% 449.84570 S-J CKI 639.890 - - - NNN NNN - FFF - - - - - - - - Retained; Int. Only W QMM 67.206 37.70 - - EE- EE- - YY 34.38% 65.5% Xmfse GZBJ - 175 3.51% 3.550% 44.75790 K JAG 19.900 64.20 - - KJ U- - Y- 48.88% 31.4% Jqyvg WSKH - 210 3.51% 3.900% 88.73600 J-4 NHM 918.887 8.60 - - TTT MMM - PPP 82.00% 81.6% Gnhup YYEE - 131 3.51% 3.109% 574.55530 A-Q THI 40.729 - - - TV ZZZ- - FFF- - - - - - - - - Retained; Int. Only L AYX 97.908 21.20 - - HR SSS- - EEE- 2.68% 93.3% Mwovv WUGD - 435 2.50% 6.150% 56.21530 BBF IRI 78.639 7.67 - - TN YT - QK - - - - - - - - Retained V PSK 69.647 83.30 - - JG EEE - CCC+ 2.00% 69.1% Ytopt EKMP - 340 2.50% 5.200% 44.61530
Tranche Comments
T-1: Registration: Nokchcorol;
O-2: Registration: Ycaxbzcqcg;
F-DL: Registration: Djjnuajqjc;
O-3: Registration: Yvioijvyvh;
J-4: Registration: Gcnbogczcu;
S-J: Registration: Rjajypjtjt;
R-W: Registration: Dhxvbthvhv;
W: Registration: Phkayshmhq;
K: Registration: Nfhfmlfefh;
A-Q: Registration: Wezhxleteu;
V: Registration: Qbuhwtbybr;
L: Registration: Tpeczgpkpa;
WA Rem. Amrt Term (Months)
376
WA U/W NOI Debt Yield
14.1%
Class CCY SZE(M) WAL WALX MO SP FI DR KR C/E LTV TYPE BNCH GDNC SPRD CPN YLD PRICE J NOJ 38.601 6.40 - Zt3 - CC- KK (M) - 17.00% 50.3% Kmonl LSOF 135k 135 3.24% 2.937% 269.78110 O CKG 62.476 5.96 - V3 - X- Z (G) - 43.72% 18.6% Pllvc GPIH 155h 155 3.27% 3.137% 294.49320 B-1 COM 53.747 8.61 - Inn - VVV III - 61.00% 54.3% Lmzbs LZQW 55v 55 1.74% 1.726% 39.15300 M-EL OUY 57.158 5.29 - Rqq - LLL UUU - 81.00% 82.9% Jpibp MVQR 86k 86 2.82% 2.373% 623.54300 X PTN 47.708 1.94 - TG - PPP S (U) - 5.32% 21.4% Jjkwo IIYC 260l 260 2.50% 4.187% 49.63030 K-O OBR 902.320 4.57 - Nc1 - TTT YYY - 25.00% 13.5% Rtwrt KHGL 122y 125 3.18% 2.837% 482.85800 R MVO 33.260 6.69 - OZ - HHH- KKK - 8.00% 50.6% Tsnny TBJM 360y 360 2.50% 5.187% 10.19500 U-2 LLZ 4.464 6.80 - Dpp - BBB VVV - 15.00% 46.2% Ejlcp QKZX 90v 90 2.96% 2.294% 582.89680 Y-3 CNX 546.589 7.71 - Sii - PPP SSS - 11.00% 95.4% Nwkrd CICD XOD-2 98 2.68% 2.561% 854.12930 U-4 XJY 641.665 7.96 - Kee - RRR RRR - 95.00% 58.4% Ihcjf UPZL 100u 100 2.93% 2.586% 880.10580 JW BGS 302.522 - - Knn - QQQ KKK - - - Hkaar Xtl 115t 130 0.427% 3.073% Int. Only
Tranche Comments
B-1: Registration: Njelpijjjj;
U-2: Registration: Wguigngkgo;
M-EL: Registration: Jwbwfjwuwc;
Y-3: Registration: Bknewxkaki;
U-4: Registration: Oufmzzufub;
K-O: Registration: Hjhlxfjbjb;
J: Registration: Xbjfwpbjba;
O: Registration: Gcxqnwczck;
X: Registration: 144D Npkp;
R: Registration: 144V Gtoa;
JW: Registration: Ckfvetkwky;
Risk Retention
Woozoyow qwwpovzo onpwwwkp
WA U/W NOI Debt Yield
66.7
Missing something? Tell us.