“So maybe just to go off of a couple of those points. From a net interest income standpoint, in the fourth quarter, we expect to have relative stability and that's just thinking about our earning assets are going to be relatively flat, we expect, and our asset repricing and liability pre-pricing are going to be largely offsetting.”

In context

“expect mortgage to have, sort of, momentum. So really as we go into the next year, it isn't any one thing, but it's the diversified mix because they play off of each other depending on different macroeconomic environments. Ebrahim Poonawala: That's helpful. And I guess one follow-up, John. When I look at the 7 basis points NIM expansion, I think you mentioned $10 million lift from the bond book restructuring, that's probably 1 basis point. Should we expect the 7 basis point expansion as getting better as we move forward with a couple more rate cuts this year, the back-book repricing? Like, how should we think about the cadence of the NIM from your ex any kind of bond restructuring actions? And is it conceivable that we could be at a 3% NIM in the back-half of next year? John Stern: Sure. So maybe just to go off of a couple of those points. From a net interest income standpoint, in the fourth quarter, we expect to have relative stability and that's just thinking about our earning assets are going to be relatively flat, we expect, and our asset repricing and liability pre-pricing are going to be largely offsetting. So, that's kind of how we think about the stability component in the fourth quarter. Beyond that, all the positive momentum that I've talked about in terms of continuing remixing in terms of our assets into higher return parts of the portfolio, our ability to reprice on deposits, as I mentioned on the institutional side and then ultimately on the retail side. And then, our deposit rotation, as you have observed is slowing down, and for all intents and purposes, complete. And so that's all conducive to growth and continued expansion. I can't put a timeframe on when exactly the 3% occurs, but that's a good level to think about, and it's -- obviously it's embedded within our medium-term guidance that we provided to you during Investor Day. Ebrahim Poonawala: And one last one, I guess maybe,”