 On the cost side of things, it is a little tougher for the banks as net interest income has been compressing to deliver operating leverage. That's a key focus for them. But I think the fact that net interest income will be troughing, that bodes well for the outlook. And just looking at Bank of America shares, the pre-market higher by nearly 2%. In the 30 seconds we have left, Allison, what should we be looking for with the final big bank to report this morning, Morgan Stanley?