John Arfstrom

“And then most of the questions have been handled, but I'm not asking for phase three yet. But what are you pushing your people on right now? What's bothering you?”

“Rob, can you talk, you mentioned technology. Can you talk about some of the changes you're referencing and what you're ditching or restructuring and what's new and different in terms of, you know, what you want that you didn't have before?”

“And then, of course, Jim, since you have the mic, the one question that hasn't been asked, what are your thoughts on M&A from here? You know, I know that people talk about Bremer, but I'm looking at a 19.5% ROTC and 15% EPS growth.”

“Higher rates, does that slow the progress on reducing residential at all? or what are you expecting in the next several quarters on the residential runoff? Should that stay about the same?”

“On basis, the smaller revenue number for the quarter, I think I understand it. You just closed the deal. But do you expect contributions from the revenue side to step up as soon as the fourth quarter?”