Michael Rose

“I was a little bit surprised to see the Venezuelan deposits down as much as they were, just given all the progress and momentum that you've talked about, Carlos.”

“Just wanted to get a thought on buybacks here. Obviously, you guys bought back, you know, a decent amount this quarter, but a little bit less than in prior quarters.”

“Just as we move forward, are there any areas or geographies that you're maybe a little bit more focused on as you, you know, look to meet or exceed the numbers here in the next couple quarters?”

“I just wanted to circle back to the mortgage finance business. Really nice to see the enhanced credit structures go up. Just wanted to get some thoughts on where that could head over the next year.”

“Ross, just one question on the NDFI exposure. I know you have been intentional about bringing it down. It's a little over 5% of loans. I think about 7% of commercial loans, it says on the deck.”