Brian Foran

Is this kind of cost to grow concern in the market right now really just kind of economic and accounting dynamics

now that there's more dining on platinum. Are you seeing any interactions with gold

is the 8% to 10% FX adjusted guide or GAAP because I think you mentioned you assume the dollar stays here

is that something you're contemplating? I mean it is hard to look at the kind of numbers for 2Q with the mid-quarter close and all the adjustments and really get comfortable or confidence of what t...

On spend, in prior quarters, you've given us the high end versus low end kind of updating commentary. I just wonder if you could give us that and maybe specifically on the tariff reaction, any diff...

Is it incrementally each year investing in the network? Or is it like, and again, I know I'm simplifying this, I'm not trying to put words in your mouth, but like is there some signaling that like,...

if there were kind of one or two upside and downside risks you were thinking about for the year, what would you highlight

if we got this disclosure from all your peers, are you a little higher? Are you a lot higher?

Would you expect to be like, still at 9% annualized loan growth exiting the year like where you are today before the acquisitions

is there any way to talk to exit run rate of dollars of annualized expenses for the whole thing pro forma

conceptually like why would you decelerate? Is it macro inputs or is it seasoning of investments?

I get a lot of questions about if M&A kind of eases, will Huntington be a buyer?

anything you would highlight as kind of the standout on the good side?

should we think about dollars of reserve release in '25 or is it more about provision that brings the ratio down

Any framing you'd give? Like, do you want that to eventually get to 20 before it stabilizes?

is there a timing when you think new production starts outweighing some of the lower-yielding stuff rolling off

is the runoff of consumer over in '25 or should we think about some more in '26 and beyond?

can you just remind us where you see that in terms of a longer-term normalized range?

why switch to an EPS range this year?

what would you say are the one or two key markers we should watch for in the front half of the year