“You'll also likely see, as you get into tax cycles with asset levels where they are, an increase also in SBL.”

In context

“s like changes in margin utilization or securities lending or securities-based loans or even customer engagement with certain types of products or really anything else I'm missing there. Just love to kind of get some more flavor around the implications and how you guys are thinking about the second order impacts on NII as you look out over the next year or so. Sharon Yeshaya: Yeah. We continue -- as I mentioned, this is the second quarter that we've seen loan growth. I wouldn't -- we've seen stronger quarters. So, this is just the beginning. Basically, there's been a steady increase in mortgages, even though there's the rate hike cycle where it is and the rates were higher. And over time, as rates would come down, you'd expect to begin to see refinancing activity, which will spur lending. You'll also likely see, as you get into tax cycles with asset levels where they are, an increase also in SBL. So, there's -- those lending products have been relatively muted versus the historical basis. And you -- it wouldn't be surprising to begin to see more and more of that activity on the forward. Devin Ryan: Okay. Great. Thanks, Sharon. And then, just want to come back to the -- really nice quarter you put up in net new assets in Wealth. And you touched on a notable contribution from new clients in advisor-led. And so, I'm just curious if there's anything else you can highlight that supported that momentum with new clients, specifically, whether it's new products or if there's programs internally that you're running to support that because it sounds like it was a catalyst. I'm just curious if that could continue. Sharon Yeshaya: Sure. So, specifically on new clients, Devin, I'd remind you a”