John Pancari

can you maybe help us in how to think about the efficiency ratio that you baked into that assumption?

talk to us a little bit about the cadence of getting down to that 10% to 10.5% level

could you talk about what kind of loan growth assumption you kind of built into the NII outlook for the back half of the year

you mentioned you used to previously say that your NII guide assumes the asset cap remains in place

give us a little bit more color on the loan yields this quarter

where are you seeing that competitive pressure come from? Is it private credit?

How are you feeling about the pace of buybacks as you look forward

are you seeing any indications of borrowers beginning to drawdown lines as a precaution

how we could think about that in terms of level and trajectory? Should it be near GDP?

How should we think about the buyback appetite as you look at 2025