“And if those are a little bit better than what we're modeling, then I think that provides some opportunity as we look at the second half of the year.”

In context

“g it kind of most acutely happen in the wealth business as people move into cash alternatives, out of deposits, and that's what's happening in a lot of wealth management businesses these days as people move that cash around. And then across the rest of the consumer businesses, it's part people looking for higher yields, but it's also part people spending more. And so, you're seeing some of that decline come down as overall balances continue to decline as the stimulus has worn off and people continue to be out there spending. So, it's a little bit of a number of drivers there. And I think as I said earlier, the -- as you think about the NII pacing for this year, this first half of the year will certainly be higher than the second half of the year, given the trends that we expect to happen. And if those are a little bit better than what we're modeling, then I think that provides some opportunity as we look at the second half of the year. John Pancari : Okay, Mike. Thank you. That's helpful. And then separately, you gave some pretty good color obviously, around NII expectations now. And then also on expenses. On the fee side, can you perhaps give us your expectation there around overall growth that you expect in noninterest income and maybe some of the major drivers of where you see growth and if you could possibly size it up perhaps around the investment banking area, etc.? That would help. Thanks. Mike Santomassimo : Sure. And so, as you break apart fees, the biggest line item there is the investment advisory fees, and that's going to be somewhat dependent upon where the market goes. So, if we start to see recovery in the equity markets at a more substantial pace, that will obviously be a big benefit for that business. W”