Terry Turner: Yes. Stephen, that’s a great question, and I appreciate it because it’s important to me. We’ve not changed our incentive at all. And as you know, I’m a believer. I’m hoping I’m going to convince you to be a believer that when you get all the associates of this firm aimed at, revenue growth and EPS growth, it’s not hard to illustrate it all guys. We’ve got to buy more money or we can’t book our loans. Guys, we’ve got to buy more money at a lower price. It is so easy to move our company to whatever really is important in order to grow the revenues and EPS, I think it would shock you how easy it is to illustrate how that works. I think in the last quarterly all associate meeting, we just put a slide up there and show what the financial performance is.
And you show them, okay, look, we’re all on our margin here, and it’s largely a function of cost of funds. And so then you go down and show on the expenses, we’re right on track, but don’t miss the reason we’re on track because we reduced our incentive accrual. And so guys, to be clear, what just happened here in this quarter is we took money out of mine in your pocket in our incentive accrual, and we put it in our clients’ bucket in terms of the rates we paid them on deposits. And so again, we have not altered the incentive. I doubt that we’re going to. It is how we are able to move people back and forth, not that we’re constrained by it.
Stephen Scouten: That’s very helpful. And then, I guess, in terms of the margin outlook, I think, Harold, you guys give the cost of deposits at June 30. I’m not sure if you give like a June or end of period kind of margin relative to where the margin was for the quarter as a whole. But how do you think about incremental progression and compression from here? And can you speak to the amount of floors you might have in the loan book if and when we get rates lower?
Harold Carpenter: Yes. We’ve got floors on loans, and we’re pushing for floors on loans. We’re also pushing for folks to be very conscious about what rates they’re paying on their deposits. I think we can be more deliberate with respect to our deposit rates as we go into the second half of the year. As to margin performance in the third and fourth quarter, it’s going to be down in all likelihood. We think there’s one more rate increase coming to us that we’ll have to support in some way with our depositors. But that said, don’t miss. We think our net interest income is likely to be flat to up. So as Terry said, we’re going to be focused on the revenue line. And we’re going to try to make sure that we don’t sacrifice any of the ground that we’ve gained here over the last, call it, two or three quarters with respect to some of these clients that we’ve gathered. So I’ll stop there, Stephen, and see if I’ve gotten to your
Stephen Scouten: Yes. No, I think that makes a lot of sense. I think it speaks to that slide you guys set in maybe a year ago where you showed your deposit betas, but your NII outperformance irrespective of those deposit betas. I think that’s a good point. Maybe just lastly for me, around the new hires. You had some particular strength in wealth management. Can you give us a view on where kind of those new hires have been concentrated? And I guess, have more of them been into that wealth management platform over time? Has that driven some of the strength there?
