Erika Najarian

“Just wanted to clarify, Brian, your response to Ryan's question like an hour ago. Did you say when the rate environment changed a lot since the deal, so you don't have the ability to invest as quickly, did you say it gives you a better chance to outperform the 53% efficiency or it's tougher to outperform the 53%?”

“I wanted to double click on John's question on capital. I guess this is a bit of a compound question for my first question, and I apologize. The way you responded to John's question is that you can continue to deploy capital into growth as well as keep up this pace of buybacks.”

“You know, clearly, you know, the stock is opening lower, and I'm wondering if it's just a lower exit rate. You know, as we think about that path to 325. And obviously, you know, fully hear everybody loud and clear that, you know, client growth is way more important than just NIM.”

“You know, Clark, implied in the earlier questions is that the investor base is, you know, thinking that the guide is a little bit sort of, quote, quote, softer than high expectations, you know, no good deed goes unpunished.”

“My first question is, as we think about what the reserve is capturing in terms of unemployment rate, David, could you give us a sense on what the current baseline is and what the weighted average may be?”