Ken Usdin

“One question on betas, you mentioned that you still expect that the cumulative betas and this up cycle to be in the mid to upper 30s and last cycle they were higher than that and I'm just wondering just what the difference is and what did you tell us about either the mix of deposits or the granularity the deposit base…”

“Perfect thanks John and then secondly you know with the NIM up five this quarter and you're saying up about the same amount you know it's a 290-ish exit can you just talk about I know balance sheet size and mix will be an important part of this answer but your comments previously about getting to a 3% NIM in 27 can…”

“I just want to try to hone a little bit more so into the NII. So you got loan and deposit growth in the second half clear from the guidance. The size of the balance sheet, though, is definitely smaller than people thought in this kind of tough-to-understand average quarter.”

“I just wanted to follow up on the deposit point, Dave, and the NII. I mean, it makes sense that the implied new guide would be for a little bit lower run rate than the second quarter.”

“Just, Brian, maybe on the, you've talked about the incremental asset sensitivity given the transaction now that we've seen the full quarter and you're kind of getting a better feel for the balance sheet and the rates environment.”