“That’s not really the prediction. But the idea is there’s still more education that can be done and that’s why I think we feel comfortable that even though we might see rates rise. The actual amount that we gave you as guidance from a lending perspective should continue.”

In context

“ors and customers, probably, understand the value of the product better, too. And so there’s a couple of cross currents and I can’t quite get my head around exactly how to think about it, but what are your thoughts on that? Sharon Yeshaya: Thanks for the question. I think when you -- your points are, I think, appropriate. You are looking at, obviously, yeah, it was nascent. What I’d say about our profile is, we didn’t have the same size of household penetration across lending products. Then and even today, there is still, I’d say, room to run in better understanding educating products and educating our clients about the different products that are available to them. Now, of course, the pace may change and that’s not impossible given what we are seeing or what you might think could happen. That’s not really the prediction. But the idea is there’s still more education that can be done and that’s why I think we feel comfortable that even though we might see rates rise. The actual amount that we gave you as guidance from a lending perspective should continue. Part of that obviously being SBL, part of that being mortgages. But when you look at the household penetration even five years, six years ago, you were in very low-double digits for us and you have only reached that mid-teen numbers. So still a lot more to go, as I said, around the education of that product for clients where that’s suitable. Operator: Thank you. Our next question is from Dan Fannon with Jefferies. Dan Fannon: Thanks. Good morning. The $75 billion acquisition of AUM that you got within Wealth Management, this is the second transaction I think over the last 12 months. Can you talk about the capabilities that you are getting with this and how this is being integrated more broadly into the Wealth platform? And also just thinking about the backdrop and strategy, should we see”