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One area from costs gains is actually the continued investment within the technology, structure, and you may automation, and that led to $440,100000, or eleven% progress, within the app costs regarding the 3rd quarter out of 2024. Noninterest expenses totaled step 1.5% while the a portion of mediocre assets from the 3rd one-fourth from 2025 versus step one.52% for the second one-fourth of 2025 and you may step 1.40% on the 3rd quarter away from 2024. Now Allen and that i was happy to get any questions you will probably have.