David Storms

“Just curious, with the volatility in September, have you made any changes to the liquidity stress testing that you do? Or are you kind of looking through some of this volatility and keeping the focus on the medium term?”

“And then in the earnings release, you specifically called out cargo, wholesale, some sort of other potential revenue streams. How are you thinking about the potential scale there?”

“Admittedly, I did want to start my first question, maybe a little more in the weeds than normally. Starting with assembly components, it was mentioned that you called out specifically fluid transfer on the release last night.”

“Start with the parcel sale in the quarter. Just curious, is this a structural shift? Is this opportunistic? And And maybe what's kind of the profile of a buyer that would come in for a parcel?”

“Morning, and thank you for taking my questions. I just wanted to start with the non-interest income. It was mentioned in fair remarks that there's been some cooperation between insurance and the rest of the business, and that's been helping to drive the insurance growth.”