Jon Arfstrom

the $3 billion buyback authorization. Why that size? What's the plan for utilizing that?

can you talk a little bit more about the balance sheet optimization project, just kind of why you're pursuing it, the overall goal

anything you can do to give us a little tighter range on expected first-quarter expenses or early '26 expenses just to help set this up

How material are those? And then what revenue synergies, if any, from Veritex and Cadence is included in the guide

Can you talk a little bit more about the pipelines Zach, you mentioned you felt like growth is still accelerating. And I guess, I'm not as curious about the expansion driven markets, but more about...

can you talk a little bit more about what you're seeing from a credit quality point of view? There's obviously a lot of fear and uncertainty out there

can you give us some of the feedback you've heard maybe pro and cons from internal and external partners on the Veritex acquisition

It feels like you have enough momentum to hit the higher end of that range. But curious in your mind what you see as the threats

non-interest income guide for modest growth sequentially. It looks like in your materials, you're pointing to the year-over-year growth rates

where are you the most focused right now in terms of risk management? Obviously, a strong record historically on risk

Can you talk a little bit about the borrower feedback that you're hearing over the last few months?

with the new administration coming in and some changes in the regulatory leadership, what regulatory changes would you like to see