Chris McGratty

does the level of profitability or the timing to which you get there carry more weight

Can you speak to the sustainability or perhaps source of improvement in operating leverage by segment as you near the 10% to 11% goal

I was wondering if you could unpack or elaborate just a little bit more on the RWA growth by product, anything unusual in the quarter

how much of a drag has it been?

If you were to fast forward over the next few years, like, what do you think this mix looks like?

is that still the right level given what's going on in the environment and then the regulatory environment?

As rates come down, and we talked about loan growth showing some signs of life. I'm interested in your thoughts on incremental competition

Interested in your thoughts about sustainability and opportunities for the pieces of growth in the medium term

Does your pricing need to be materially different from recent history? Or said another way, do you need to price a little bit more competitive

relative to 3 months ago, there's a lot of optimism on financial deregulation and really going to break in the bank's favor. I'm interested if you agree, number one, with this optimism

I'm interested in capital allocation between your businesses, where you think, if that were to present an opportunity where -- which businesses would most likely be the use of that capital

I think in your prepared remarks, you talked about 25% of asset gathering being international

you talked about the 300 basis points of excess relative to minimums. I guess a two part question just a follow-up. Number one, what's the right level of management buffer there

unpacking the degree of confidence in the operating leverage over the medium term