“And then you add in what we're getting from Union Bank, I think that's why we're confident in that higher single-digit increase.”

In context

“en very strong, but they are normalizing. That said, services and retail have been strong. And so -- and the retail print that we saw yesterday was very constructive. So we feel like there's good underpinnings there in addition to the investments that we make to continue to believe and give confidence in that -- in our projections there. Andy Cecere: And I think two of those important investments, Vivek, our tech-led initiative, which is about 1/3 of our revenue base right now is tech lead from a perspective of new activity. And secondly is that what we've talked a lot about, which is this business payments ecosystem, which continues to be a top priority for the Company, because I think it's a huge opportunity for our business banking customer base as well as our commercial customer base. And then you add in what we're getting from Union Bank, I think that's why we're confident in that higher single-digit increase. Vivek Juneja: Okay. And then another key business that you mentioned, you're expanding capital markets since you're not doing your investors anymore. Any color on what you're doing there to expand that? You've always had the loan syndications and debt capital market. What else are you doing to step that up in terms of the level of revenues from that? John Stern: Sure. This is John. So, the -- we -- this is another area where we have continued to make investments in back-end systems and the frontline, and acquiring talent and all these sorts of things, and it's been a great story for us, and we continue to invest in this going forward. And along with high-grade and underwriting, there's high yield as well as what other areas that have been very strong is in the derivative market, providing”