Loans and Allowance for Credit Losses | NOTE 5 – LOANS AND ALLOWANCE FOR CREDIT LOSSES Loans and leases, net of unearned income Loans and leases, net of unearned income are summarized as follows as of December 31: 2022 2021 (dollars in thousands) Real estate - commercial mortgage $ 7,693,835 $ 7,279,080 Commercial and industrial (1) 4,477,537 4,208,327 Real-estate - residential mortgage 4,737,279 3,846,750 Real-estate - home equity 1,102,838 1,118,248 Real-estate - construction 1,269,925 1,139,779 Consumer 699,179 464,657 Equipment lease financing and other 324,928 283,557 Overdrafts 3,403 1,988 Gross loans 20,308,924 18,342,386 Unearned income (29,377) (17,036) Net loans $ 20,279,547 $ 18,325,350 (1) Includes PPP loans totaling $20.4 million and $301.3 million as of December 31, 2022 and 2021 respectively. The Corporation has extended credit to officers and directors of the Corporation and to their associates. These related-party loans are made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with unrelated persons and do not involve more than the normal risk of collection or present other unfavorable features. The aggregate dollar amount of these loans, including unadvanced commitments, was $126.3 million and $129.6 million as of December 31, 2022 and 2021, respectively. During 2022, additions totaled $4.2 million and repayments totaled $7.5 million for related-party loans. Allowance for Credit Losses The ACL consists of loans evaluated collectively and individually for expected credit losses. The ACL represents an estimate of expected credit losses over the expected life of the loans as of the balance sheet date and is recorded as a reduction to net loans. The ACL is increased by charges to expense, through the provision for credit losses, and decreased by charge-offs, net of recoveries. The reserve for OBS credit exposures includes estimated losses on unfunded loan commitments, letters of credit and other OBS credit exposures. The following table summarizes the ACL - loans balance and the reserve for OBS credit exposures balance as of December 31, 2022 and 2021: 2022 2021 (dollars in thousands) ACL - loans $ 269,366 $ 249,001 Reserve for OBS credit exposures (1) $ 16,328 $ 14,533 (1) Included in other liabilities on the Consolidated Balance Sheets. The following table presents the activity in the ACL - loans balances for the years ended December 31: 2022 2021 2020 (dollars in thousands) Balance at beginning of period $ 249,001 $ 277,567 $ 163,620 CECL Day 1 Provision expense 7,954 — — Purchased credit deteriorated loans 1,135 — — Impact of adopting CECL on January 1, 2020 — — 45,724 Loans charged off (21,472) (30,952) (30,557) Recoveries of loans previously charged off 14,092 17,146 21,020 Net loans (charged-off) recovered (7,380) (13,806) (9,537) Provision for credit losses 18,656 (14,760) 77,760 Balance at the end of the period $ 269,366 $ 249,001 $ 277,567 Provision for OBS credit exposures $ 1,411 $ 160 $ (840) Reserve for OBS credit exposures $ 16,328 $ 14,533 $ 14,373 The following tables present the activity in the allowance for loan losses by portfolio segment for the years ended December 31, 2022 and 2021, by portfolio segment: Real Estate - Commercial and Industrial Consumer and Real Estate - Real Estate - Real Estate - Equipment Finance Leasing and Other Total (dollars in thousands) Balance at December 31, 2020 $ 103,425 $ 74,771 $ 25,137 $ 51,995 $ 15,608 $ 6,631 $ 277,567 Loans charged off (8,726) (15,337) (3,309) (1,290) (39) (2,251) (30,952) Recoveries of loans previously charged off 2,474 9,587 2,345 375 1,412 953 17,146 Net loans (charged off) recovered (6,252) (5,750) (964) (915) 1,373 (1,298) (13,806) Provision for loan losses (1) (9,203) (1,965) (4,424) 3,156 (4,040) 1,716 (14,760) Balance at December 31, 2021 87,970 67,056 19,749 54,236 12,941 7,049 249,001 CECL Day 1 Provision expense 4,107 — 131 3,716 — — 7,954 Initial purchased credit deteriorated loans 1,051 — 7 77 — — 1,135 Loans charged off (12,473) (2,390) (4,412) (66) — (2,131) (21,472) Recoveries of loans previously charged off 3,860 5,893 2,581 425 574 759 14,092 Net loans (charged off) recovered (8,613) 3,503 (1,831) 359 574 (1,372) (7,380) Provision for loan losses (1) (15,059) (443) 8,373 24,862 (2,772) 3,695 18,656 Balance at December 31, 2022 $ 69,456 $ 70,116 $ 26,429 $ 83,250 $ 10,743 $ 9,372 $ 269,366 (1) Provision included in the table only includes the portion related to net loans The ACL - loans inc ludes qualitative adjustments, as appropriate, intended to capture the impact of uncertainties not reflected in the quantitative models. Qualitative adjustments include and consider changes in national, regional and local economic and business conditions, an assessment of the lending environment, including underwriting standards and other factors affecting credit quality. The increase in ACL - loans in 2022 was related to loan growth and changes to the macroeconomic outlook. The impact from qualitative adjustments related to COVID-19 on the ACL - loans decreased in 2021 with the improvement in economic conditions. Non-accrual Loans All loans individually evaluated for impairment are measured for losses on a quarterly basis. As of December 31, 2022 and 2021, substantially all of the Corporation's individually evaluated loans with total commitments greater than or equal to $1.0 million were measured based on the estimated fair value of each loan's collateral, if any. Collateral could be in the form of real estate, in the case of commercial mortgages and construction loans, or business assets, such as accounts receivable or inventory, in the case of commercial and industrial loans. Commercial and industrial loans may also be secured by real estate. As of December 31, 2022 and 2021, approximately 91% and 98%, respectively, of loans evaluated individually for impairment with principal balances greater than or equal to $1.0 million, whose primary collateral is real estate, were measured at estimated fair value using appraisals performed by state certified third-party appraisers that had been updated in the preceding 12 months. The following table presents total non-accrual loans, by class segment: 2022 2021 With a Related Allowance Without a Related Allowance Total With a Related Allowance Without a Related Allowance Total (dollars in thousands) Real estate - commercial mortgage $ 39,722 $ 30,439 $ 70,161 $ 20,564 $ 32,251 $ 52,815 Commercial and industrial 14,804 12,312 27,116 12,571 17,570 30,141 Real estate - residential mortgage 25,315 979 26,294 35,269 — 35,269 Real estate - home equity 5,975 130 6,105 8,671 — 8,671 Real estate - construction 866 502 1,368 173 728 901 Consumer 92 — 92 229 — 229 Equipment lease financing and other 4,052 9,255 13,307 6,247 9,393 15,640 Total $ 90,826 $ 53,617 $ 144,443 $ 83,724 $ 59,942 $ 143,666 As of December 31, 2022, there were $53.6 million of non-accrual loans that did not have a related allowance for credit losses. The estimated fair values of the collateral securing these loans exceeded their carrying amount, or the loans were previously charged down to realizable collateral values. Accordingly, no specific valuation allowance was considered to be necessary. The amount of interest income on non-accrual loans that was recognized was approximately $2.2 million in 2022 and $1.3 million in 2021. Asset Quality Maintaining an appropriate ACL is dependent on various factors, including the ability to identify potential problem loans in a timely manner. For commercial construction, residential construction, commercial and industrial, and commercial real estate, an internal risk rating process is used. The Corporation believes that internal risk ratings are the most relevant credit quality indicator for these types of loans. The migration of loans through the various internal risk categories is a significant component of the ACL methodology for these loans, under both the CECL and incurred loss models, which bases the probability of default on this migration. Assigning risk ratings involves judgment. The Corporation's loan review officers provide a separate assessment of risk rating accuracy. Risk ratings may be changed based on the ongoing monitoring procedures performed by loan officers or credit administration staff, or if specific loan review assessments identify a deterioration or an improvement in the loans. The following table summarizes designated internal risk categories by portfolio segment and loan class, by origination year, in the current period: December 31, 2022 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Revolving Loans converted to Term Loans (dollars in thousands) Amortized Amortized 2022 2021 2020 2019 2018 Prior Cost Basis Cost Basis Total Real estate - commercial mortgage Pass $ 1,014,575 $ 1,095,725 $ 969,118 $ 810,850 $ 621,689 $ 2,610,511 $ 80,665 $ 307 $ 7,203,440 Special Mention 95 50,367 23,296 33,735 16,205 181,736 947 — 306,381 Substandard or Lower 1,032 3,039 31,042 38,378 23,112 87,168 243 — 184,014 Total real estate - commercial mortgage 1,015,702 1,149,131 1,023,456 882,963 661,006 2,879,415 81,855 307 7,693,835 Real estate - commercial mortgage Current period gross charge-offs — — — — — (53) — (12,420) (12,473) Current period recoveries — — — — — 4 — 3,856 3,860 Total net (charge-offs) recoveries — — — — — (49) — (8,564) (8,613) Commercial and industrial (2) Pass 907,390 449,145 397,881 315,605 185,096 604,352 1,387,961 618 4,248,048 Special Mention 11,405 24,479 3,763 8,147 5,218 24,633 56,048 250 133,943 Substandard or Lower 834 418 4,818 13,044 3,081 22,025 51,077 249 95,546 Total commercial and industrial 919,629 474,042 406,462 336,796 193,395 651,010 1,495,086 1,117 4,477,537 Commercial and industrial Current period gross charge-offs — — (36) — (21) (365) (1,192) (776) (2,390) Current period recoveries — — 30 95 379 1,740 811 2,838 5,893 Total net (charge-offs) recoveries — — (6) 95 358 1,375 (381) 2,062 3,503 Real estate - construction (1) Pass 159,195 390,993 243,406 28,539 24,421 93,511 47,271 — 987,336 Special Mention — — — — — 21,603 — — 21,603 Substandard or Lower — — 3,852 2,274 — 4,272 203 — 10,601 Total real estate - construction 159,195 390,993 247,258 30,813 24,421 119,386 47,474 — 1,019,540 Real estate - construction (1) Current period gross charge-offs — — — — — — — — — Current period recoveries — — — — — 527 — 47 574 Total net (charge-offs) recoveries — — — — — 527 — 47 574 Total Pass $ 2,081,160 $ 1,935,863 $ 1,610,405 $ 1,154,994 $ 831,206 $ 3,308,374 $ 1,515,897 $ 925 $ 12,438,824 Special Mention 11,500 74,846 27,059 41,882 21,423 227,972 56,995 250 461,927 Substandard or Lower 1,866 3,457 39,712 53,696 26,193 113,465 51,523 249 290,161 Total $ 2,094,526 $ 2,014,166 $ 1,677,176 $ 1,250,572 $ 878,822 $ 3,649,811 $ 1,624,415 $ 1,424 $ 13,190,912 (1) Excludes real estate - construction - other. (2) Loans originated in 2022 include $20.4 million of PPP loans that were assigned a rating of Pass based on the existence of a federal government guaranty through the SBA. The following table summarizes designated internal risk rating categories by portfolio segment and loan class, by origination year, in the prior period: December 31, 2021 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Revolving Loans converted to Term Loans (dollars in thousands) Amortized Amortized 2021 2020 2019 2018 2017 Prior Cost Basis Cost Basis Total Real estate - commercial mortgage Pass $ 1,086,113 $ 899,172 $ 826,866 $ 624,653 $ 712,223 $ 2,356,308 $ 55,370 $ — $ 6,560,705 Special Mention 1,317 60,732 96,508 25,280 33,595 169,732 115 — 387,279 Substandard or Lower 1,537 8,516 28,810 68,818 69,793 151,450 684 1,488 331,096 Total real estate - commercial mortgage 1,088,967 968,420 952,184 718,751 815,611 2,677,490 56,169 1,488 7,279,080 Real estate - commercial mortgage Current period gross charge-offs — — (14) (25) (6,972) (1,517) (198) — (8,726) Current period recoveries — — — — 983 1,491 — — 2,474 Total net (charge-offs) recoveries — — (14) (25) (5,989) (26) (198) — (6,252) Commercial and industrial (2) Pass 855,924 520,802 396,575 232,805 147,675 581,762 1,177,857 339 3,913,739 Special Mention 5,386 8,538 33,937 8,301 10,346 23,380 52,386 95 142,369 Substandard or Lower 1,225 9,775 19,393 24,327 11,912 34,825 49,562 1,200 152,219 Total commercial and industrial 862,535 539,115 449,905 265,433 169,933 639,967 1,279,805 1,634 4,208,327 Commercial and industrial Current period gross charge-offs (2,977) (406) (4,966) (208) (286) (800) (5,694) — (15,337) Current period recoveries 6 39 4,691 841 457 2,342 1,211 — 9,587 Total net (charge-offs) recoveries (2,971) (367) (275) 633 171 1,542 (4,483) — (5,750) Real estate - construction (1) Pass 190,030 315,811 113,245 83,886 17,545 117,157 46,409 — 884,083 Special Mention 5,843 775 9,984 20,200 15,724 6,315 — — 58,841 Substandard or Lower — — — — 1,912 4,185 227 — 6,324 Total real estate - construction 195,873 316,586 123,229 104,086 35,181 127,657 46,636 — 949,248 Real estate - construction (1) Current period gross charge-offs — — (39) — — — — — (39) Current period recoveries — — 39 — — 1,373 — — 1,412 Total net (charge-offs) recoveries — — — — — 1,373 — — 1,373 Total Pass $ 2,132,067 $ 1,735,785 $ 1,336,686 $ 941,344 $ 877,443 $ 3,055,227 $ 1,279,636 $ 339 $ 11,358,527 Special Mention 12,546 70,045 140,429 53,781 59,665 199,427 52,501 95 588,489 Substandard or Lower 2,762 18,291 48,203 93,145 83,617 190,460 50,473 2,688 489,639 Total $ 2,147,375 $ 1,824,121 $ 1,525,318 $ 1,088,270 $ 1,020,725 $ 3,445,114 $ 1,382,610 $ 3,122 $ 12,436,655 (1) Excludes real estate - construction - other. (2) Loans originated in 2021 and 2020 include $301.3 million of PPP loans that were assigned a rating of Pass based on the existence of a federal government guaranty through the SBA. The Corporation considers the performance of the loan portfolio and its impact on the ACL. The Corporation does not assign internal risk ratings to smaller balance, homogeneous loans, such as home equity, residential mortgage, construction loans to individuals secured by residential real estate, consumer and equipment lease financing. For these loans, the most relevant credit quality indicator is delinquency status, and the Corporation evaluates credit quality based on the aging status of the loan. The following table presents the amortized cost of these loans based on payment activity, by origination year, for the current period : December 31, 2022 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Revolving Loans converted to Term Loans (dollars in thousands) Amortized Amortized 2022 2021 2020 2019 2018 Prior Cost Basis Cost Basis Total Real estate - residential mortgage Performing $ 933,903 $ 1,708,703 $ 1,054,126 $ 286,167 $ 87,455 $ 620,416 $ — $ — $ 4,690,770 Non-performing 1,199 5,104 6,597 6,466 4,587 22,556 — — 46,509 Total real estate - residential mortgage 935,102 1,713,807 1,060,723 292,633 92,042 642,972 — — 4,737,279 Real estate - residential mortgage Current period gross charge-offs — — — — — — — (66) (66) Current period recoveries — — 4 — 27 261 — 133 425 Total net (charge-offs) recoveries — — 4 — 27 261 — 67 359 Consumer and real estate - home equity Performing 416,631 109,724 80,422 52,384 45,642 211,127 842,226 34,061 1,792,217 Non-performing 292 298 174 36 98 6,512 1,722 668 9,800 Total real estate - home equity 416,923 110,022 80,596 52,420 45,740 217,639 843,948 34,729 1,802,017 Consumer and real estate - home equity Current period gross charge-offs — (587) (70) (108) (16) (442) (178) (3,011) (4,412) Current period recoveries — 44 88 29 16 595 294 1,515 2,581 Total net (charge-offs) recoveries — (543) 18 (79) — 153 116 (1,496) (1,831) Construction - other Performing 164,924 73,492 10,892 — 1,077 — — — 250,385 Non-performing — — — — — — — — — Total construction - other 164,924 73,492 10,892 — 1,077 — — — 250,385 Construction - other Current period gross charge-offs — — — — — — — — — Current period recoveries — — — — — — — — — Total net (charge-offs) recoveries — — — — — — — — — Equipment lease financing and other Performing 146,198 39,427 40,024 29,309 15,019 15,670 — — 285,647 Non-performing — — — — — 13,307 — — 13,307 Total leasing and other 146,198 39,427 40,024 29,309 15,019 28,977 — — 298,954 Equipment lease financing and other Current period gross charge-offs (506) (167) (140) (80) (47) (1,191) — — (2,131) Current period recoveries 63 18 82 25 10 268 — 293 759 Total net (charge-offs) recoveries (443) (149) (58) (55) (37) (923) — 293 (1,372) Total Performing $ 1,661,656 $ 1,931,346 $ 1,185,464 $ 367,860 $ 149,193 $ 847,213 $ 842,226 $ 34,061 $ 7,019,019 Non-performing 1,491 5,402 6,771 6,502 4,685 42,375 1,722 668 69,616 Total $ 1,663,147 $ 1,936,748 $ 1,192,235 $ 374,362 $ 153,878 $ 889,588 $ 843,948 $ 34,729 $ 7,088,635 December 31, 2021 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Revolving Loans converted to Term Loans (dollars in thousands) Amortized Amortized 2021 2020 2019 2018 2017 Prior Cost Basis Cost Basis Total Real estate - residential mortgage Performing $ 1,548,174 $ 1,133,602 $ 344,625 $ 113,801 $ 198,164 $ 468,842 $ — $ — $ 3,807,208 Non-performing — 6,753 2,189 3,424 2,844 24,332 — — 39,542 Total real estate - residential mortgage 1,548,174 1,140,355 346,814 117,225 201,008 493,174 — — 3,846,750 Real estate - residential mortgage Current period gross charge-offs — (626) (148) (125) (4) (387) — — (1,290) Current period recoveries — — 1 18 — 264 92 — 375 Total net (charge-offs) recoveries — (626) (147) (107) (4) (123) 92 — (915) Consumer and real estate - home equity Performing 162,441 102,918 73,769 68,564 33,254 135,412 990,842 3,999 1,571,199 Non-performing 122 101 60 51 314 2,348 8,512 198 11,706 Total real estate - home equity 162,563 103,019 73,829 68,615 33,568 137,760 999,354 4,197 1,582,905 Consumer real estate - home equity Current period gross charge-offs (175) (491) (496) (238) (224) (411) (1,274) — (3,309) Current period recoveries — 223 131 131 167 1,048 645 — 2,345 Total net (charge-offs) recoveries (175) (268) (365) (107) (57) 637 (629) — (964) Construction - other Performing 144,652 40,040 638 5,028 — — — — 190,358 Non-performing — — — — 173 — — — 173 Total construction - other 144,652 40,040 638 5,028 173 — — — 190,531 Construction - other Current period gross charge-offs — — — — — — — — — Current period recoveries — — — — — — — — — Total net (charge-offs) recoveries — — — — — — — — — Equipment lease financing and other Performing 97,077 65,316 49,591 34,107 22,444 1,369 — — 269,904 Non-performing — — — — 15,503 138 — — 15,641 Total leasing and other 97,077 65,316 49,591 34,107 37,947 1,507 — — 285,545 Equipment lease financing and other Current period gross charge-offs (975) (1,276) — — — — — — (2,251) Current period recoveries 255 539 88 10 18 43 — — 953 Total net (charge-offs) recoveries (720) (737) 88 10 18 43 — — (1,298) Total Performing $ 1,952,344 $ 1,341,876 $ 468,623 $ 221,500 $ 253,862 $ 605,623 $ 990,842 $ 3,999 $ 5,838,669 Non-performing 122 6,854 2,249 3,475 18,834 26,818 8,512 198 67,062 Total $ 1,952,466 $ 1,348,730 $ 470,872 $ 224,975 $ 272,696 $ 632,441 $ 999,354 $ 4,197 $ 5,905,731 The following table presents non-performing assets: December 31, December 31, (dollars in thousands) Non-accrual loans $ 144,443 $ 143,666 Loans 90 days or more past due and still accruing (1) 27,463 8,453 Total non-performing loans 171,906 152,119 OREO (2) 5,790 1,817 Total non-performing assets $ 177,696 $ 153,936 (1) Excludes PPP loans which are fully guaranteed by the federal government of $7.7 million as of December 31, 2022. (2) Excludes $6.0 million of residential mortgage properties for which formal foreclosure proceedings were in process as of December 31, 2022. The following tables present the aging of the amortized cost basis of loans, by class segment: 30-59 60-89 ≥ 90 Days Days Past Days Past Past Due Non- Due Due and Accruing Accrual Current Total (dollars in thousands) December 31, 2022 Real estate – commercial mortgage $ 10,753 $ 4,644 $ 2,473 $ 70,161 $ 7,605,804 $ 7,693,835 Commercial and industrial (1) 6,067 2,289 1,172 27,116 4,440,893 4,477,537 Real estate – residential mortgage 57,061 8,209 20,215 26,294 4,625,500 4,737,279 Real estate – home equity 5,666 2,444 2,704 6,105 1,085,919 1,102,838 Real estate – construction 1,762 1,758 — 1,368 1,265,037 1,269,925 Consumer 6,692 1,339 899 92 690,157 699,179 Equipment lease financing and other 348 122 — 13,307 285,177 298,954 Total $ 88,349 $ 20,805 $ 27,463 $ 144,443 $ 19,998,487 $ 20,279,547 (1) Excludes delinquent PPP loans 30-59 days past due, 60-89 days and 90 days or more pa st due of $0.1 million, $0.7 million and $7.7 million, re spectively, which are fully guaranteed by the federal government. 30-59 Days Past 60-89 ≥ 90 Days Non- Current Total (dollars in thousands) December 31, 2021 Real estate – commercial mortgage $ 1,089 $ 1,750 $ 1,229 $ 52,815 $ 7,222,197 $ 7,279,080 Commercial and industrial 5,457 1,932 488 30,141 4,170,309 4,208,327 Real estate – residential mortgage 22,957 2,920 4,130 35,269 3,781,474 3,846,750 Real estate – home equity 4,369 1,154 2,253 8,671 1,101,801 1,118,248 Real estate – construction 1,318 — — 901 1,137,560 1,139,779 Consumer 3,561 876 353 229 459,638 464,657 Equipment lease financing and other 226 27 — 15,640 252,616 268,509 Total $ 38,977 $ 8,659 $ 8,453 $ 143,666 $ 18,125,595 $ 18,325,350 Collateral-Dependent Loans A financial asset is considered to be collateral-dependent when the debtor is experiencing financial difficulty and repayment is expected to be provided substantially through the sale or operation of the collateral. For all classes of financial assets deemed collateral-dependent, the Corporation elected the practical expedient to estimate expected credit losses based on the collateral's fair value less cost to sell. In most cases, the Corporation records a partial charge-off to reduce the loan's carrying value to the collateral's fair value less cost to sell. Substantially all of the collateral supporting collateral-dependent financial assets consists of various types of real estate including: residential properties; commercial properties such as retail centers, office buildings, and lodging; agriculture land; and vacant land. Troubled Debt Restructurings The following table presents TDRs, by class segment for the years ended December 31: 2022 2021 (dollars in thousands) Real estate - commercial mortgage $ 3,255 $ 3,464 Commercial and industrial 1,809 1,857 Real estate - residential mortgage 13,804 11,948 Real estate - home equity 10,717 12,218 Consumer — 5 Total accruing TDRs 29,585 29,492 Non-accrual TDRs (1) 31,853 55,945 Total TDRs $ 61,438 $ 85,437 (1) Included within non-accrual loans in the preceding table. The following table presents TDRs, by class segment, for loans that were modified during the years ended December 31: 2022 2021 2020 Number of Loans Post-Modification Recorded Investment Number of Loans Post-Modification Recorded Investment Number of Loans Post-Modification Recorded Investment (dollars in thousands) Real estate - commercial mortgage 1 $ 150 9 $ 16,020 12 $ 24,868 Commercial and industrial 1 82 10 2,823 20 5,218 Real estate - residential mortgage 5 293 46 13,256 48 10,493 Real estate - home equity 5 329 30 1,226 48 4,359 Real estate - construction — — 1 154 — — Consumer 13 792 — — 14 345 Total 25 $ 1,646 96 $ 33,479 142 $ 45,283 Restructured loan modifications may include payment schedule modifications, interest rate concessions, bankruptcies, principal reduction or some combination of these concessions. The restructured loan modifications primarily included maturity date extensions, rate modifications and payment schedule modifications. |