Ken Houston

“On the court custody line, I heard your comments, Dave, that the market levels were offset by lower volume. So just kind of thinking about the fourth quarter implied outlook for fees because you gave NII in total revenues, what does that imply for trust revenue as you think ahead?”

“I wanted to ask a follow-up on the deposit side. You mentioned in the slides that there was some seasonality in consumer, so end of period deposits were kind of flattish on the interest-bearing side, and granted, understanding the year-over-year growth, understanding the good DDA growth.”

“Dermot, just wondering two things on the guide and the outlook. If I just do the implied math for the fourth quarter, if I'm doing it right, it implies that fourth quarter fees would be down sequentially from the third.”

“I wanted to ask a question just about capital and balance sheet utility. It noted that obviously AOCI was up, CEC was down a little bit, as was TCE. You didn't grow RWAs as much as you had in the prior couple quarters.”

“On the consumer side, it's nice to see the 4% year-over-year CCB deposit growth. I'm just wondering, you know, aside from Agentec, just what are you seeing in terms of either rate-seeking behavior?”