Scott Siefers: Good afternoon, guys. Thanks for taking the question. I guess I wanted to go back to the NII discussion for just a second. It sounds like a little bit more margin erosion, but at a much slower pace than certainly this quarter. I guess, even if the margin has bottomed. I think the updated guidance implies that the second half NII will have to average something around $7 million or so higher than the second quarter run rate? So I guess what you’re saying is, that there’s enough loan to earning asset growth overall to overwhelm any further margin erosion. So is the right conclusion that the second quarter was that we just witnessed the trough for NII?
Derek Meyer: I think we’ll leave – I think if you do the math, if that’s what you’re coming up with, we’ll let it at that. I think, we’ve got a range of growth on the asset side that is pretty good. And if we think that comes in lighter, then we’ve got options to be more efficient on the funding side.
Scott Siefers: Okay. All right. Perfect. And then, Andy, just wanted to discuss, I guess, in a bit more detail, just sort of the tactical thinking on your appetite to lend. Your biggest competitors, presumably, they’re going to be subject to this whole host of new capital and liquidity rules. So the biggest guys seem to be pulling back on lending? Are there any areas where you guys similarly are pulling back in light of economic uncertainty or by – I know you touched on a little in your opening remarks in specific areas? But by contrast, with the larger banks pulling back, any areas where you think you can take some market share if the pricing is good, and your competitors are pulling back?
Andrew Harmening: Yes, that’s a good question. You asked two different questions within there. I think, Scott, I think one was with regards to capital, and I think you mentioned economic uncertainty. What I would take first is the economic uncertainty, and tell you that we want to lend to people that can pay us back. And I know that sounds pretty basic, but when you look at almost 99% of our auto book being prime and super prime on the origination side. When you see the loan to value go down and the FICO go modestly up even above – around [7.80] I believe, in the last quarter. We are looking at a pretty squeaky clean book. But in that place, there are some people that have pulled back there. We are dealing with prime, super prime borrowers, and we’re getting a yield above 7%.
So this seems like a pretty good move for us. So I’d say that’s exactly what is happening in that area. We looked at our third-party originated mortgages. And in the markets that we’re in, the yield we’re getting was substantially less than that. And our history has been that, that book churns. When rates go down, they immediately go down with it. And so, that would be one example of an area that we will see over time, that shift will be beneficial to us. We want to focus heavily on relationship businesses. We are now proving within our commercial book that we can grow our core commercial deposits. That will matter a great deal to us over time. We haven’t broken that out publicly, but I see the trends on that. And in this year, when you’re positive in that space, you’re on to something.
