W- what are you seeing in terms of what consumers' goals are, whether it's savings, transactions, time deposits, all of the things? How is that mix of consumer goals evolving in, in the marketplace right now?

Yeah, and I think it's different depending on where a customer is in their life stage and in their journey.

The macro environment has really made today more competitive than I think I've ever seen it.

And while this, I'm a newcomer to, to the deposits business from a leadership perspective, in every part of my career previous to this, deposits has been an important enabler from a lending perspective.

So really understanding how that macro environment is changing.

And for customers that are starting off, they're looking for a, a relationship with an institution that, that helps them solve how you get started from the perspective of, of savings and transacting.

And so as we look at those customers, and so that entire kind of what we call the mass segment, really making sure that we've got products and services and advice that helps them start that journey in an effective way.

Can you talk about how you are-Managing all these different preferences and opportunities within both this physical construct as well as in the digital environment that consumers are engaging with you in.