Andrew Terrell

“Hey, Chris, if I could maybe stick on that last line of questioning, just on the expenses and the announced $20 million, just to kind of level set expectations, is $20 million a gross or a net number?”

“Maybe sticking on the margin just for a bit, you know, a lot of the commentary, Byron, sounds very positive, and maybe this is a better rate environment for you now as you're reinvesting some of the cash flows at a higher rate.”

“I appreciate the color around some of the moving pieces here in the third quarter. Looks like the fourth quarter guide or the full year guide kind of implies you step up from here.”

“I just wanted to stick on expenses quickly. Do you have relative to the, I think it was 35% announced cost savings. Do you have performance relative to that initial metric?”

“Maybe just to start on the margin, not necessarily looking for a guide, but, you know, it seems like you were 389 this quarter, obviously a very, very strong quarter.”