So we’ve tighten that up on commercial real estate underwriting. We tighten that up on commercial underwriting. And we already had a pretty conservative approach. So we’ve added balances in areas that we know quite well. I get a lot of passion on this. And I’m looking across the table at our chief risk, Chief Credit Risk Officer, I think maybe he should make a final comment on this.
Pat Ahern: No, I would agree with everything you said. We did not change our credit box relative to the growth you’ve seen. And we are continuing to look at, like as Andy said, what’s going on in the marketplace, whether that’s interest rate adjustments, whether it’s sizing, whether it’s underwriting to an exit. So all that stuff is kind of evolves in relative to the marketplace. And what it’s also done is the growth you’re seeing again, it kind of reflects the core client that we’ve been focusing on. So we didn’t stretch to add in a new vertical. We didn’t stretch to add in some new geography or anything like that. So we feel we’re comfortable with the core focus we had coupled with the adjustments we’re making to reflect what’s going on in the economy.
Terry McEvoy : Great. Thanks for taking my questions.
Andrew Harmening: Good question. Thank you.
Operator: Our next question comes from the line of Jon Arfstrom with RBC Capital Markets. Please proceed with your question.
Jon Arfstrom: Hey, thanks. Good afternoon, guys.
Andrew Harmening: Hello. Good afternoon Jon.
Jon Arfstrom: Just a quick follow up on that for you, Pat. On slide 17 you mentioned some normalization, driving the delinquencies up. And I know these are small numbers, but what do you expect that to look like in a couple of quarters just so we’re not surprised by that?
Pat Ahern: I think it’s going to revert back to kind of pre-pandemic numbers. How long that takes year ago, we were thought maybe we’d be there by now, but it’s not. I think, again as we’ve mentioned, the portfolio continues to outperform. We’re seeing the loan book, the auto, indirect auto book is a little over a year now. So we’re kind of reaching some normalization there. But really, the rest of some of the consumer delinquencies that we saw this quarter are really small and we haven’t really seen a significant trends. So when we get back to say 2018, 2019 numbers is to still to be determined.
Jon Arfstrom: That helps. I was just going to ask about the delinquencies as well. Non-financial question for you, Andy. The brand campaign you talked about, what is the message on that and what do you think needs to refresh your emphasized in terms of messaging?
Andrew Harmening: I sure hate to spoil it for you, Jon. I feel like I’m going to email those commercials to you though, as we’re launching. But what I’ll say the interesting part to me is we brought in a new chief marketing and product officer and his expertise is in customer research. And so when you launch something that’s about the brand, first you want to know what you’re about. But then you also want to know what your customers are about. And so we are going to combine what the messaging is, that’s kind of true to us and what we do, but it’s also going to be what’s in it for me. And as we think about a marketing message, we also think about our product execution. So we will, the significance of the products that we’re going to launch in the second, third and fourth quarter should marry up with that brand message.
