“But on the tailwind side, the steepening yield curve relative to forwards would be a good guy if that persists.”

In context

“that will drive a 15 basis point roughly decrease in NIM. But if I kind of pull up and think beyond day count and look at a longer term -- the longer term, a lot of the same forces that I've been describing for the last number of quarters as potential headwinds and tailwinds still exist today. So if you think about the headwinds, first of all, we're very modestly asset-sensitive. And so you'd see a small decrease in NIM if rates continue to decrease and you saw a little bit of that effect here in this quarter. And the other one, you bring up deposit beta, of course, in our rate risk modeling, we make assumptions around deposit betas. So to the extent that betas are lower or slower on the way down, we would be a little bit more asset-sensitive in that scenario. So those could be headwinds. But on the tailwind side, the steepening yield curve relative to forwards would be a good guy if that persists. But then probably the single biggest factor and we've seen this play out over the last number of quarters is the card growth and card becoming a bigger percentage of our balance sheet, all else equal is a pretty meaningful tailwind to NIM. So those are really the forces at play that I would highlight for you. Mihir Bhatia: Got it. Thank you. And then maybe just turning quickly to capital return. You've been doing $150 million in buybacks last few quarters. Your CET1 is up to 13.5%. We understand with the deal, you have to get approval right for any capital actions. But the question is -- two-part question there is, A, is that approval keeping you a little conservative right now? And two, once the deal is approved, should we assume you'd be pretty aggressive in getting that down or would i”