Bill Carcache

what has fundamentally changed about Amex's product flywheel that makes the growth algorithm more durable

would reintroducing debit rewards be something that you'd consider given the greater flexibility that owning the Discover Network will afford you

just update us on how you're thinking about the impact of a more pro-growth administration

to what extent do you think we'll need to see credit spreads widen before banks broadly and Key more specifically

is there room to let your loan growth outpace your deposit growth for a time, or do you envision having to pay up a little bit more for deposits?

How much room is there to increase your C&I and consumer mix? From here as we look ahead?

what's been the response from the client side? You're there for them, but have they noticed a difference as you've actively taken that concentration ratio

can you discuss how you're thinking about fintech data access fees?

are you hearing anything from clients on whether bonus depreciation and the tax bill could serve as a potential catalyst for incremental loan growth

can you speak to how you're thinking about the level of expense leverage that you have and what are the areas where you would look to achieve efficiencies should should you need to?

Could you speak to perhaps the potential for increased opportunities in loan growth if credit spreads were to continue to widen

How are you thinking about the risk of similar adjustments leading to incremental reserve building from here, particularly if we don't get any more cuts?

Is that in relation to your expansion markets? I was hoping you could maybe just speak to how that complements your existing physical and digital channels

can you discuss the potential for PPPC to drive your normalized return profile of 28% sustainably higher?

can you give us some color around the factors that would drive efficiency ratio towards the lower versus the higher end of the range?

where you still see the greatest repricing potential across the left side of the balance sheet?

can you give us a sense for whether your client base is more exposed to the risk of a potentially more significant credit event

is it reasonable to expect that positive operating leverage could break above 300 basis points given the continued tailwinds

where did deposit funding costs end the quarter and where would you expect the average cost to grow from here

Can you take us inside of that 9% growth and discuss the breakdown between new additions versus customer attrition?