“I wouldn't be surprised if we also begin to see it from a tax perspective as we enter the second part of the quarter.”

In context

“guys need to continue to build that out or do you feel like you're fully ramped from a competitive perspective? Sharon Yeshaya: Thanks, Brennan. I'll take that. As I mentioned in my prepared remarks, as you alluded to, what we saw, if you remember over the last -- since really interest rates when they began to rise, we saw a decline in the use of the SBL product. And we often actually saw an increase in paydowns. What's changed over the last – particularly, we noted it this quarter is, we've seen that pace of paydowns decline and then, we've actually seen an increased use of the lines. The important part there is, as you know probably better than anyone else is that, that product is one that is often generally used in periods of time by our clients when you actually see markets rise. And I wouldn't be surprised if we also begin to see it from a tax perspective as we enter the second part of the quarter. In terms of capabilities, excuse me, -- in terms of capabilities, I think we have the capabilities, there is clearly places you can still look from a tailored perspective. There is still capabilities when you think about the assets that we can move from an eligible perspective from the ISG side onto the bank. So it's a different portion of the question in terms of what we're doing from a legal entity perspective. But overall, I think we're very happy with what we have from the wealth management perspective and it's really about seeing the change in environment that should help the dynamics as we move forward to see that increase in loan growth. Ted Pick: And I think integrated firm matters here because there is the ability for us now in our risk committee sessions to look at tailored lend”