Ebrahim Poonawala

“So maybe first question, Brian, just wanted to hit him. Just wanted to circle back. I think you mentioned the efficiency ratio, long term, still 53%.”

“Maybe just on capital, maybe revisit that. One, given the trajectory you're on, do you see capital levels building? I'm assuming you're okay with it. And in your priorities, you list buybacks below M&A. Is it just that you like buybacks even less than you like M&A, or should we lead anything into that?”

“So not to beat a dead horse on the margin, and the stock obviously sold off when you started talking about your margin outlook. I understand you're not running the bank on one-day stock reaction.”

“I guess maybe the first question, just given the capital proposals that were put out by the Fed last month, I'm wondering if you can quantify what impact you expect to your capital ratios, and yeah, I guess as first, just what's the impact that you expect for what are really strong capital levels, and where is this…”

“I guess just a couple of quick follow-ups. As we think about the 16% to 18% return Roth C exiting 27, it implies the margin probably being somewhere between around that 340 to 350, am I thinking about that correctly?”