The most widely used technique for the determination of high precision mineral growth ages in igneous and metamorphic rocks is dating of zircons with the U-Pb method. The interpretation of these ages, particularly in metamorphic settings, is hampered by an incomplete understanding of the common phenomenon of partial Pb-loss in zircon. In principle, this Pb-loss may occur in four very different ways: diffusion in metamict zircon, diffusion in pristine zircon, leaching from metamict zircon and recrystallization of metamict zircon. Here it is argued that, under conditions common in the continental crust, Pb-loss is only possible in partially to strongly metamict zircons. Pb-diffusion in the pristine zircon lattice is insignificant up to temperatures of at least 1000 degrees C. Pb-loss is only possible if the zircons experienced a time interval below their annealing temperature of about 60-650 degrees C, because only below this temperature can the lattice damage through alpha-decay and spontaneous fission accumulate. Zircons that remain above this temperature do not lose Pb by diffusion and will stay closed systems. Complete resetting of the U-Pb system in zircon under crustal conditions is only possible through dissolution and reprecipitation of zircon. Partial resetting results from recrystallization, leaching or diffusion in metamict zircon. As a consequence, special care has to be taken to interpret lower intercepts on concordia diagrams defined by discordant U-Pb data. Lower intercept ages may be significant only if they are defined by zircons with low U-content (< 100 p.p.m.) or if confirmed by other geochronological methods. In addition, the accuracy of the lower intercept should be confirmed by abrading the zircon fractions that define the discordia.