Gary Tenner: Okay. And then on the AOCI, Dale, I think, you mentioned about $2.5 billion of securities to mature back half of this year and through 2024. What amount of the kind of AFS related AOCI just based on maturities, would you expect to recover over that 18-month period?
Dale Gibbons: Well,, obviously those costs are related to kind of what the discount rate is. So if it’s that close to maturity and we have a yield that is less than what that looks like, then it’s going to be fairly short. I think you really get dollar improvement on the AOCI — and AOCI piece, what we really need is we really need lower rates. So, it will roll our world forward. If you take 18 months, we have a duration of four years on that. So you will take one-third of that back. So maybe a couple of hundred billion comes back, but not from maturities just from a slower or a shorter duration remaining on those securities with the four-year coming down by about a third. Regarding the service charge income, that, yeah, it is elevated from where we were and it’s going to continue.
Gary Tenner: Okay. And last question, if I could. In terms of the office or the investor office portfolio, can you tell us kind of what your allowance is specific to that portfolio?
Tim Bruckner: Yeah. I can take that. Not counting — well, accounting earnings were about $50 million. So…
Gary Tenner: 5-0, sorry.
Tim Bruckner: I am sorry, $100 million…
Ken Vecchione: Also $100 million.
Tim Bruckner: Yeah. I am sorry. I misquoted that.
Gary Tenner: Okay. Thank you.
Operator: Thank you. The next question will be from the line of Ebrahim Poonawala with Bank of America. Your line is now open.
Ebrahim Poonawala: Hey. Good morning. Just a quick follow-up. One, in terms of the margin outlook, as you talked about the third quarter NIM higher versus 2Q, does that trend continue into fourth quarter as we think about on a go-forward basis or could we see some volatility in the margin where 4Q could be lower and same with NII?
Dale Gibbons: Well, what we are seeing is, I think, it’s almost certain that they are going to raise next week. We are a modest kind of asset-sensitive profile. So that should augment the NIM in that regard. More significantly kind of what we talked about a couple of times, the paydown in some of these more expensive funding sources. So I have talked about these lines that we have that are so far plus 2%. We haven’t paid those down yet. I expect that we will be doing that significantly this quarter. I don’t — I can’t tell you exactly when, but let’s say, we did it in August or September or we are going to see a follow-through effect on that into 4Q. So, yes, I would expect that we should be looking for kind of continued improvement. It can kind of alluded to this, what he said there were PPNR number kind of flat for Q3 versus Q2, but then on a more positive trajectory as we go into Q4 and exit 2023.
Ebrahim Poonawala: Got that. And remind us, Dale, in terms of the actual loan book, how much of the loan book is yet to reprice in terms of just reflecting the currently backdrop, like, how should we think about loan betas going forward and repricing of the fixed rate book maybe?
