Erica Najarian

“This is my first question, Andrew, on the net interest margin trajectory from the 841. You know, obviously the revenue suppression being lower help the earning asset yields, you know, lower deposit balances help with deposit costs.”

“I noticed that slide that you usually have in terms of where your NIM is against the Fed Funds background is in the third quarter slide. So, you know, as we think about the rate curve and as you think about your confidence in, you know, NIB growth optimization and beta.”

“Just taking a step back, you know, your net interest income guide for this year is 10% to 12%. You know, as I think about slide 17, you know, in theory, just the time-based benefits, you know, would get you to 335 by 4Q, you know, 27.”

“Just, you know, on the ROTC outlook, you know, a lot of discussions with your investors have sort of, you know, centered around the idea that, you know, they are confident that over time you'll get to that 16 to 18 percent, but there is a nervousness that that's going to cost you in terms of earnings power.”

“Hey, just as a follow-up on that, I got a few questions on the run rate of expense growth in the fourth quarter, but it sounds like I'm going to be answering my own question, Rob.”