Keene Turner: Yes. I guess what I would say is in the quarter, it’s probably a little bit of our – we reflected it in the qualitative factors. And then my comments, we are just trying to get at the fact that I think we use Moody’s as our data source there, and we think that they will contemplate that in some of the information. So, I think what we have seen happening is the short-term information in the model looks better, but the longer term information with rates higher for longer, probably degrades a little bit. And so I think we are positioned to deal with that transition from a Q factor to the underlying data. I don’t know how much will lean on it or take a position one way or the other unless we see that affecting our own data, but we do rely on the forecast and we will sort of be in the same boat as everyone else.
Brian Martin: Yes. Okay. And then the last one for me was just on the – you guys recognized some SBA gains in the quarter. Just kind of wondering how you are thinking about that? And then just maybe kind of that – the fee income line, maybe kind of absent your commentary about the tax credit being somewhat volatile, Keene, I guess in terms of how we think about that here in the coming quarters?
Keene Turner: Yes. I will say on SBA gains, it’s really a function of deposit growth and loan opportunities. I think you heard from Jim, we have got strong demand and Scott in a variety of areas. And so the SBA portfolio provides a nice relief valve for customers that don’t typically bring material funding to the bank. So, when we look at selling a loan in SBA and then our ability to originate an additional one somewhere else, I think it’s a good trade and I think you will see us continue to at least make that trade to the extent that we have sufficient origination activity that drives good yields in the upcoming quarters or at least 2Q and then we will keep evaluating it. So, I think it’s a part of the balance sheet management and also a tool we can use to help mitigate pressure from some of the deposit re-pricing.
And then I think we had the loss of $2 million going through the tax credit line item with what, $3 billion of negative fair value. And I think my comment is we expect, once we get rates moving around or against us too much, the activity in that business for the remainder of the year should sort of get us to the level that we saw net-net in total last year was it just under $10 million. And I do think that some of that can occur here in the second quarter. But we also expect most of it will be fourth quarter rated.
Brian Martin: Okay. Yes. And I guess I was asking more about just the kind of the impact. If you think about fee income ex the tax credit, if you continue to pick up some more gains here on SBA, just kind of relative to how you were thinking about fee income last quarter versus going forward? If you have more gains, does that maybe boost your outlook on fee income ex tax credit, or is it more just an offset to maybe some other areas being a little bit less or whatnot as we go forward?
Keene Turner: Yes. I mean I think all else being equal, last year we had unfortunately, a bully death benefit included in the games. But otherwise, I think we expect private equity CDE, some of those things to be episodic and contribute similarly along with SBA again. So, the SBA to your question, would be additive to our overall expectations.
Brian Martin: Got it. Okay. Perfect. I appreciate you guys taking the questions. Thanks.
Keene Turner: Thanks Brian.
Operator: [Operator Instructions] And there are no questions at this time. I will now turn the conference back to Jim Lally for closing remarks.
Jim Lally: Okay. Thank you and thank you all for joining us this morning and for your interest in our company, and we certainly look forward to speaking to you again at the end of the second quarter. Have a great day.
Operator: Ladies and gentlemen, that concludes today’s call. Thank you all for joining. You may now disconnect.
