“But additionally, we are looking to invest more in marketing as we move into next year and more in technology and so forth.”

In context

“in marketing, we're stepping up that marketing almost $800 million. We've also stepped up technology spend. We've invested -- we're investing more in control management as we move from a Category 4 bank to a Category 3 bank. And so we are not walking away from any investments in -- it's -- but we are also not -- what we're also not doing is we're not lowering our standards in any way either. So no, I think that we've ramped up our investments all year long. It is just really hard to then just jam a bunch more investment into next year. Having said that, we expect that we will grow our investment levels from here as we move into 2025. I would not expect a pullback in marketing because as we start to look at next year, we are looking for more efficiencies, obviously, in our marketing spend. But additionally, we are looking to invest more in marketing as we move into next year and more in technology and so forth. So when you think about the business, from a quarter-to-quarter basis, yes, it is easy to have that -- the assumption that you have. When you think about the business on a continuum, you have to layer in your investments over time. So it's not as easy just to pull sort of investments in from the first quarter of next year into the fourth quarter of this year. Years ago, we could do that because our investment levels were probably half of where they are today. And so as you get to that to that level that we are today, it is easier to go on a continuum in the way we are going as opposed to, hey look, there is an opportunity, let’s pull it – let’s just pull it forward. So we feel good about the investment opportunities over the next – over the medium to long range, and we’ll continue to inve”