Elliot Howard

“I'll start there and then get any comments from Jesse. I mean, I think in general, you know, very healthy spreads in the fund backing business. You know, I think we did over, you know, probably a six to eight quarter periods, a little bit of compression in that business.”

“I mean, I think we're very pleased with Moran and Sir, you know, kind of marginal cost in that channel, more than 4%. So I do think, you know, not just in DirectBank, but others, we're seeing, you know, good competition out there that's, you know, pushing rates a little bit higher.”

“Yeah, you know, I think there's a lot of, you know, positives, certainly on the loan front. I think, you know, SVB, we talked about, you know, pipelines are full.”

“Craig touched on something in the script. I mean, I think when you look at the fourth quarter, there are certain things that are, you know, kind of more particular slash seasonal to the fourth quarter.”