“No, I actually -- thank you for the question. I don't think that it's more mature with less upside. I actually think there's more upside to go when you think about the penetration of FAs using those products.”

In context

“will be likely larger. So, there will be slower unit volume than the sort of the heyday of post-COVID stimulus and quick listings, but I think these are going to be global mature companies which are going to very much need our advice. Operator: Our next question comes from Christian Bolu with Autonomous. Ted Pick: Good morning, Christian. Christian Bolu: Good morning, Ted and Sharon. On Wealth Management, really nice to see solid loan growth in the last two quarters. Just thinking a little bit looking forward here as rates come down, kind of how are you thinking about maybe longer-term growth? Do you think loan growth can maybe reaccelerate back to pre-COVID levels where we were seeing 20%-plus growth per year, or is that business more mature today with less growth upside? Sharon Yeshaya: No, I actually -- thank you for the question. I don't think that it's more mature with less upside. I actually think there's more upside to go when you think about the penetration of FAs using those products. So, we used to be sort of in the low-double-digits in terms of that penetration. That's moved up to somewhere in the teens. But we do think that there's opportunity to surpass that higher. And if you look sort of at peers even in similar kinds of channels, so not lending through a commercial bank, but more on the wealth side, those numbers are higher. So, there are certainly opportunities there, Christian. So that's why I appreciate you asking the question. I wouldn't say it's not just on the mortgage side. That certainly can come back. But SBLs have been relatively flat. And it's not surprising. We've talked a lot about the uses of those lines. And especially if rates are low, thinking about how to use those lines to pay taxes, for example, and think about what you're doing from an effic”