 is NII or net interest income. That's the difference between the deposits our customers entrust to us and the loans we make and the investments we make. And that number, we feel, bottomed this quarter. You've had a massive change in interest rates that are now settled in. And we can talk about the economy a little bit more later. But that massive rate, that massive increase, it's now settled in. Deposit pricing has stabilized. Deposit balance has been growing the last several quarters. And that gives us confidence when you do some simple