“I mean if you look at the – in the Consumer Banking and Lending segment, we have got the mortgage banking income there. It’s only a little over a $200 million for the quarter. So, even a relatively substantial percentage decline is a pretty small dollar decline these days given the run rate. But I think if you look at what happened this quarter, we probably came in a little bit better than what we guided in July. Spreads were a little bit better in August than what we had forecasted, but they came back down in September, and so we would expect that to continue.”

In context

“at all the opportunities in front of you? Mike Santomassimo: Yes. John, look, I am sure we will provide more guidance on that or more disclosure on that in January, so I will leave any specific remarks there. But I would just go back to like what we have been saying, we are not done on the efficiency journey. As we execute on the stuff that’s in front of us, we continue to find more opportunity really across most parts of the company, and so I think that will continue to evolve. John Pancari: Okay, Mike. Thanks. And then in terms of the mortgage expectation, I think you indicated that you could see some incremental downside pressure there. Can you maybe help us size up the magnitude that you could see in the fourth quarter in terms of an incremental decline? Mike Santomassimo: Yes. Well, I mean if you look at the – in the Consumer Banking and Lending segment, we have got the mortgage banking income there. It’s only a little over a $200 million [ph] for the quarter. So, even a relatively substantial percentage decline is a pretty small dollar decline these days given the run rate. But I think if you look at what happened this quarter, we probably came in a little bit better than what we guided in July. Spreads were a little bit better in August than what we had forecasted, but they came back down in September, and so we would expect that to continue. So, while I think there could be some downside there, it’s off a pretty low run rate at this point. John Pancari: Got it. Okay. And then just one more follow-up on the balance sheet, and I am sorry if you had pointed to this already. But in terms of the pressure on the positive balances, can you talk about maybe how we should think about potential incremental declines in deposits as we see the impacts of the rate hikes continue to take hold? Mike Santomassimo: Well, I think one, I think you are going to continue to see pricing increase from here, as we have said now for a while. And so you will see pricing go up as rates continue to increase. And then on the deposit side, all of it is somewhat natural, right, given the environment we are in. So, as I pointed out in my remarks in the”