Casey Hare

“The 60% beta, I guess my question is, why is that not lower through the cycle? I mean, that very much lines up with what you guys did in the last hike cycle. And it sounds like you guys are, you know, with the stronger liquidity profile, you're more willing to let loan growth pick up and deposit growth kind of lag.”

“I think you guys have been targeting, you know, a billion dollar reduction, just, you know, a little bit of a setback this quarter. I'm just wondering, is that still a reasonable target as well as, you know, what is your forecast for net charge offs in the next couple of quarters?”

“So maybe a follow-up on the NEM, which sounds pretty positive. So maybe can you help us out with how deposit cost trends and where new money loan yields are on a core basis versus that 560 level in the second quarter?”

“Just a quick one for me on the – just a follow-up on the backstop and the loan growth. I'm just curious if that includes or are there any headwinds from Blue Foundry?”

“So the expense guide, which you reiterated, it assumes that expenses kind of hold flat with this second quarter run rate. The outside services was up quarter to quarter, and it kind of ramped last year.”