“And it's not -- this is not just a 2025 story. You'll continue to see us invest in this in '26 and '27, because we think relationships are critical to our clients' success and critical to supporting our 5% to 7% organic growth rate.”

In context

“o help them get to where they want to be in their financial life, and that one-to-one relationship is so valuable. We expect to open up around 16 new branches this year. That's a large number of new branches for us, I think the most we've opened in many years. And that's a reflection of the importance of the role, the migration of wealth to different parts of the country where we think we have an opportunity to add more branches, the repositioning of some of our branches in some areas where money has moved in terms of where it's located within certain states and we want to be there for clients. And so we expect to grow roughly 250 new financial and wealth consultants during the year and we believe that will have a meaningful impact on our ability over the long term to grow net new assets. And it's not -- this is not just a 2025 story. You'll continue to see us invest in this in '26 and '27, because we think relationships are critical to our clients' success and critical to supporting our 5% to 7% organic growth rate. Operator: Our next question comes from Bill Katz of TD Cowen. Bill Katz: I just wanted to just maybe take a step back. Now that you're getting much closer in terms of normalizing the balance sheet in terms of paying down some of the higher cost deposits seems like client cash sorting has peaked for the cycle and your growth is accelerating and you ended the quarter slightly north of your capital ratio. So it sort of all begs the question of how are you thinking about balance sheet growth into the second half of this year or maybe 2026 with the thought of, is it time to start remixing the earning assets into more of a loan focus in terms of security based lending or residential mortgages? And does that sort of free up a more consistent capital return story as we look at it? Mike Verdeschi:”