Jim Mitchell

Any thoughts and detail on your exposures and how you are thinking about the credit risk there would be helpful.

But it does also highlight the low profitability of the consumer branch banking segment.

Can you maybe kind of just dive into a little bit more on the drivers why you think that should be sustainable going forward

are you still targeting a buffer around 100 bps? And if so, how quickly are you looking to get there

is 4Q a decent jumping-off point for next year? Can you grow from that level

the capital target of 12.8% and stepped-up buybacks this quarter. Is this a pace we should expect until you get to 12.8

can you give us a sense of what you think the long-term return profile could look like roughly

if I look at first half, $43.3 billion to get to $84, you're dropping $2.5 billion in the back half

are you seeing sort of demand already in terms of your balance sheet, whether it's raising liquidity and deposit flow

anything different given the strong start to the NII ex-markets story and seemingly some good momentum in deposit and loan growth

how much more is there to go beyond that in terms of eliminating parallel running parallel systems, reduce consultant spend

can't help but ask about beyond 1Q. If we do sort of get this more certainty, maybe no increase in capital requirements

is that FICC-- is that the FICC is already operating at a high level? Or do you see opportunities

does that start to impinge your ability to grow that as much as you want?

Has there been any pushing out of any pause on activity levels and pushing out of the pipeline?

are you seeing any early signs of a broadening out of demand across other categories like traditional C and I mortgage, or auto

NPAs came down in commercial. So just trying to think what's your view there

where you see the most strength in the pipeline? And as we get rate cuts coming, do you feel that we are starting to see more activity pick up

other aspects whether it is in the markets business, or other marginal return activities before that you see opportunities to lean into growth to use up capital

Do you see that -- is it really just a supply issue? Or how do you think about the demand/supply dynamic

it looks like you guys have done a lot to reduce your asset sensitivity to the short end of the curve. So can you talk about what you've been doing to change the positioning

this kind of volatility tends to drive -- as corporates and investors go to cash, tends to drive higher deposits. Did you see that trend in March and particularly in April

with four -- three to four cuts sort of mostly in the back half, June to December, how do you think about the trajectory of NII this year

maybe just talk about again what areas of the regulatory structure, if it were to change, would be most impactful for you

since the election, it seems like CEO confidence, business confidence has increased. So, are you starting to see any improvement in demand on lending