Why?

I think it actually is one of the most attractive places to do business in America.

And we see opportunity down there.

It's a tremendous growth market.

The different regions in North Carolina, of course, are all very different.

The first thing I would say is Atlantic Union Bank is not new to North Carolina.

We've actually been down there, if you look at our routes, for a very long time.

So what is it that made us all change course so quickly?