“we expect that we will continue to see more efficiency, you know, from here.”

In context

“about the opportunity for efficiency improvement from here. To keep going. Thanks. Michael Santomassimo: Yeah. Sure. I will I will take a shot and start Charles can add if he wants. The you on the headcount side or just more broadly we still come into the, you know, environment thinking the same thing we have now done now for a number of years, which is we have got a lot of room to go to continue to make the place more efficient. And in part, that drives headcount down. And so the size of our business, the activity levels we have got, we expect that you should we should be able to run this company, you know, with less headcount than we have got today. Certainly, you know, technology and AI helps us get out aspects of that you know, in a different way or faster than maybe in the past, but we expect that we will continue to see more efficiency, you know, from here. Then just more broadly, you know, it applies to just about everything we do. And I know we keep talking about this over and over and over, but as you peel back the onion, there is more opportunity to make things more automated to improve the client experience, to, you know, make more efficient in terms of how we serve clients every day, and I think there is a lot still to go. And we, you know, we are we just come in every day and every week sort of make sure that we continue to execute like we have done over the last few years. John McDonald: Okay. Thanks. And then maybe just a follow-up on Ken's line of questioning around the net interest income drivers. The change in noninterest bearing from what you saw what you were expecting earlier in the year, Mike, is that related to any developme”