Scott Siefers

“Actually, I wanted to sort of follow up on that sentiment question and also about what it suggests for loan growth. You know, you had a pretty good performance in the first quarter.”

“And let's see, I think you've touched, or at least alluded to this briefly a couple times, but just on the capital markets, I think there's just plenty of optimism about the industry's potential this year.”

“Daryl, actually just hoping you can expand upon just what you said about some of those non-CRE drivers. You know, as we look at, you know, CRE having come down the last couple of years, you've had pretty good momentum in some of those other main categories.”

“And then with regard to Direct Express, you noted the merger should simplify the transition for the customers. I imagine it really eases things for you all as well.”

“Jim, maybe can you sort of walk us through broadly where your customers' heads are at or just sort of what they're telling you and sort of where they are relative to, say, January when we last spoke, you know, and then I guess just as importantly, what has to happen to get them back on track with how they might have…”