“We think that that's about where we land here. It'll be plus or minus of course, as we kind of go through the quarters, but we think that we're at a low point here.”

In context

“, perfect. Thank you. And then maybe a question on the deposits. Appreciate all the commentary on the non-interest-bearing runoff being - I guess about half driven by the product change as you integrated the Union Bank customers. But just given sort of the optics of it, just curious about any thoughts - is that pretty much done or would you expect for the broader or entirety of the firm, could NIB balances still continue to flow out, just in light of where interest rates are, and where would you see those fleshing out maybe as the percent of total deposits? John Stern: Hey, Scott, this is John. So, in terms of the DDA mix, you illustrated that correctly. We moved about $15 billion of deposits over into that Bank Smartly interest checking product. And so, that gets us to about a 20% ratio. We think that that's about where we land here. It'll be plus or minus of course, as we kind of go through the quarters, but we think that we're at a low point here. Scott Siefers: Perfect. Okay, good. Thank you very much. Operator: And next, we'll go to John Pancari with Evercore. Please go ahead. John Pancari: Good morning. Regarding your non-interest income guidance of the 17.5 to 18, beyond the non-interest-bearing mix commentary that you just provided, can you also help unpack that guidance in terms of overall deposit growth expectations, as well as maybe the margin assumption behind that and loan growth as well, if possible. Thanks. John Stern: Sure. This is John again. So, a couple of things I would say maybe just to provide additional context. As you saw in our results, we saw a big increase in our deposits, up 3% on a period ending basis to $522 billion. And then we had with - as Terry mentioned about our capital actions, we had loans drop as”