“But if we put those things together, we still feel very good about achieving the full $2.5 billion of synergies by the time we complete integration in the middle of '27.”

In context

“sses and the decommissioning of applications that Rich just talked about. And so the expense synergies happen more iteratively over the integration window and just are more backloaded because they are highly dependent on those technology conversions. That said, we do make or are making some progress on the expense synergies along the way. But you should expect that we won't be fully at our expense synergies until the conversions are complete, and that will be in the first half of '27. And so on the revenue side, that is much more tied to the debit conversion that is substantially completed at this point. So we're seeing a meaningful portion of the revenue synergies already in our Q1 results and the at least full portion of the revenue synergies coming from debit will be in the Q2 results. But if we put those things together, we still feel very good about achieving the full $2.5 billion of synergies by the time we complete integration in the middle of '27. Mihir Bhatia: Got it. And then just on a different topic, just on the commercial segment and the reserve, the allowance build there. this quarter. Can you just provide a little more color on what that's related to and just your confidence that, that exposure is, I guess, bring fence now and we won't see continuing increases in the allowance build. Andrew Young: Yes. Mihir, you had a little over an $80 million reserve build. I believe the number was, and it's really just tied to a small number of borrowers across C&I. And if you look back through history, commercial losses, just tend to be a bit lumpy. And so to the allowance as we just have some higher criticized loans and then just worse performance across a handful of specific credits. So I don't think there's anything in particular to”