What's kind of the step-by-step guide that you give to people that are wanting to apply for a loan?

Uh, uh, the first part or the first step with that is if you...

And speaking, like, on the commercial side, um, you have to have a relationship.

One of the first things that I do when, when I'm with a group of, of business owners is, is ask the question, do you have a relationship with a banker? And unfortunately, a lot of the time they do not.

And the relationship with the banker, yes, you go to the bank to get a loan, but the banker is also kind of your financial advisor, right? You, if you...

And relationship is used way overused these days, Noah, but having that person that you know and that they know you where you can ask questions, you can sit down and have a cup of coffee with them and bounce things off their head.

Um, if you don't have a, if you don't have that relationship with the community banker, that should be at the top of your to-do list come tomorrow.

In what ways is AI changing or improving banking today?