Net Interest margin also improved by five basis points Q4 over Q3 and helped drive PP in our growth of 4% on a linked basis and again supported a sub 54% efficiency ratio for the quarter. Our tangible common equity ratio has continued to build and is now 8.81%. Fourth quarter tangible book value per share, which is reported on Slide 10 was $26.78 per share and it has increased by$5.33 per share or 25% over the last two years. Net income totaled $200 million for the full year of 2024 and earnings per share ...