“As well as over the course of the fourth quarter, we will expect something in terms of integration expense, specifically from an E*TRADE perspective, it will look similar to the third quarter.”

In context

“s this quarter, and the dividends and interest was always included in that definition. James Gorman : Yes, that's -- I mean, to my knowledge, that's not a change that has happened at least in the last two decades, so. Operator: We'll go next to Jeremy Sigee with BNP Paribas. Jeremy Sigee : You talked about E*TRADE and workplace and the multichannel business model, which I think is very powerful. I just wanted to ask because that all bedded down now? Is that fully operational humming along? Or are there any major integration steps or implementation steps still to be done? Sharon Yeshaya : So last time, integration, I talked about this actually in the call in January, there will be a back office conversion that we'll see in 2023. But that's the most major thing that we have left to be done. As well as over the course of the fourth quarter, we will expect something in terms of integration expense, specifically from an E*TRADE perspective, it will look similar to the third quarter. Jeremy Sigee : And in terms of referral between the channels, that capability, that's fully happening already. That's in place. It's happening all the capability is there. Sharon Yeshaya : I'm sorry, I misunderstood the question that you were talking specifically about the integration expenses and how we were thinking about that is from a referral perspective, I would say there's still a lot more that will continue to be done. So we're just scratching the surface of that entire -- those relationships and bringing those funnels together. What I mentioned, for example, as you think about the referral programs, that's just beginning, right? So the better data that we have amongst who's the best FA to refer to the referral workplace relationship to -- that will just continue as you kind of be”