Bryan Preston: Yeah. This is Bryan. Certainly, we feel good about our franchise and the improvements that we’ve made over the years. We have a very strong new customer origination engine, both across consumer and commercial. We’ve got strong new consumer household growth, strong in QRs from a commercial perspective. We have a very high performing treasury management business that provides a lot of deposit support as well as growth. And as you mentioned, our Southeast branch expansion, obviously, is going to create a tailwind for us as well. And finally, we have proven and analytically driven customer offers that have done a really nice job through the cycle and driving the balances when we need them. So, we continue to maintain a lot of confidence in the environment that we’re going to be able to deliver and gain our fair share of deposits as the environment changes. Obviously, we can’t grow in all environments, but we are cautiously optimistic and well positioned.
Timothy Spence: Yeah. And just to put a number on the — narrowly on the Southeast, like we grew consumer deposits by over 6% in the Southeast this past year to Bryan’s point. That is anti has been a tailwind for us.
Manan Gosalia: Got it. Helpful. And then, maybe the flip side of that is the wholesale funding. We saw you had some wholesale funding earlier in the year. So, are those balances where you’d like them to be for now? And how does that fit into the overall funding strategy?
Bryan Preston: Yeah. We’re very comfortable with where we are from a wholesale funding perspective. We continue to have very significant contingent liquidity sources that help us manage through uncertainty in the environment. If we see decent deposit growth, we could see those wholesale funding balances come down over time. But we have a lot of flexibility across our funding base to help us manage through both liquidity needs as well as net interest income.
Manan Gosalia: Great. Thanks so much.
Operator: Your next question comes from the line of Ebrahim Poonawala from Bank of America. Your line is open.
Ebrahim Poonawala: Good morning. I guess, I just had one follow-up question on the credit comments earlier, Tim. You mentioned about the resiliency of the bank. But when you think about your scenario of higher for longer rates, do you think that begins to weigh on your customers when you look at either on C&I or on the CRE book that the longer the Fed has to stay at the five-plus rate, their cost of equity, capital is going higher, demand is falling off? And does that lead to a lot more pain on credit, maybe not in later in the year into 2024 absent Fed rate cuts?
Timothy Spence: Yeah. Let me give you the quick answer, and then I’ll let Richard comment. Absolutely. I think that is our view is that it’s more of a slow growing dynamic here than a cliff, right, as Gerard mentioned earlier. And that the longer that we go with rates at elevated levels, the more pressure that it places on business — commercial borrowers, in particular. I think our consumer borrower is a little bit different because such a significant share of our consumer lending is done to homeowners that they’ve had the ability to inoculate themselves a little bit from inflation because they locked in these historically low fixed rate cost of housing. Richard, do you want to talk a little bit about where specifically you think that grind may take a toll?
