Thanks. All right. Continuing with the mid-cap theme, we're really excited to have both Terry and Kevin here to talk about the Pinnacle -Synovus transaction. It's an exciting time for mid-cap banks, obviously an exciting time for you all. You know, obviously, Pinnacle announced the merger with Synovus, an MOE with Synovus, where it will be a mixed company, a mixed management team, with a path of growth going forward. Maybe, yeah, Kevin, starting off. Thank you for having us. It's great to be with my dear friend Terry here today. You guys can see that we're traveling around and we'll talk a little less about the deal itself. You guys have had a month and a half to digest the deck and the rationale behind it. We'll probably get some questions on it. What we've been talking about today is really about execution because what we recognize is, look, we've talked about, you know, Terry and I spent 4-5 months talking about a potential deal. That was not lengthy in that we had to solve for a lot of social issues. What we said very early on is let's see if our companies are compatible. What was eye-opening to me is when you peel back the onion of both companies, we're both built on the same principles, which are associate engagement, client loyalty, and that drives profitable growth. You see it in both companies' net promoter scores, both in J.D. Power and Greenwich. When you start there and you realize that the foundation for which we go to market and the reason that we win is that similar, then you have to start asking yourself other questions. We've learned, I mean, let's be honest, from some of the MOEs that you guys in the audience may be nervous about, we made a lot of decisions over that 4-5 months. We didn't make an announcement and then say, oh my gosh, Terry, we got to go figure out who's running this company or who the leaders are. We made an announcement a couple of weeks ago that laid out the broader leadership chart. Terry and I had largely agreed on that chart months ago when we were going through this process. What you won't hear today is trying to justify the EPS secretion that's embedded in this deal or the fact that this regional bank, when we put it together, is going to be the fastest growing regional bank with the highest profitability and the most efficient bank out there with the highest service quality. We're not going to talk about that because that's on the chart. What we're going to talk about is how we execute on that. Ultimately, it comes down to mixing our cultures. We've heard a lot of questions and concerns about that, and we'll address that in some of the questions today. I think we've done a lot of work to ensure that our companies come together and things like the Pinnacle incentive compensation model and the Pinnacle operating model, which you've heard that Synovus will adopt, is not that heavy a lift. We have talked to our bankers about what that means for them because, as you guys can imagine, it doesn't matter what Terry and I say, each of our associates, our team members are looking at this saying, what does this mean to me? That is where we've spent the last month and a half, not just talking with investors, but spending time inside the four walls of Pinnacle and Synovus, talking to our team members, listening to their concerns, addressing those concerns, talking to clients, and talking about what would concern them. You have seen that we would expect a first quarter close, with that approval. We are going to take 12 -1 4 months on conversion. That is a little longer than other conversions. Terry and I talked about the white glove service our institutions provide our clients. We want to make this conversion a white glove conversion, meaning that we are going to provide additional resources, additional training, having some insights with our clients early on to understand what are going to be the changes when half of our client base has to move to a new platform and spend a little extra time training and developing that so that the move itself is far less painful than what we've seen with some other conversions. We are super excited. I can speak for myself, Terry, but I think the time we've spent together the last month and a half has made me even more convicted that when we put these companies together, it will be the Southeast growth champion. Terry, anything to add on it? As you well know, I could add something to it, but I'm not. Why don't we just go with the questions? Obviously the deal has been the biggest news in the space this summer. How have trends been since the announcement? How is, you know, regular growth going in third quarter? Have you seen an impact at all on the pipeline from the announcement? Yeah, I would say, zero impact in the Pinnacle footprint to business development pipelines and recruiting pipelines, which are just as important to us. I think on the business development side, our expectation is, I mean, we've got pretty aggressive guidance out there, double digit balance sheet growth and all those things. We intend to deliver that, believe that we will deliver that. I think what has been more interesting to some of the people that I've talked to is, because the flywheel is turning pretty wide in our company right now, delivering the earnings is not that hard. Some people have said, hey, well, you know, you're going to lose momentum on hiring and those kinds of things. In the second quarter earnings call, I think we talked about the fact that we had 59 job offers outstanding. 26 of those were revenue producers. I believe we'll hire all 26 of those revenue producers this quarter, plus some. Out of the total of 59, I think, you know, the quarter's not over. I might miss on one or two, but right now it looks like we'll get 58 / 59 hired. The one that has fallen out is a credit advisor whose boss offered him a whopping raise to stay. I don't blame him for staying, but they didn't back out on the count of the deal, I guess, is the point. If you just think about that idea, I mean, you guys all work for companies. You can think through what your kill rate is on job offers, but I bet it's not 58/ 59, you know. At any rate, that's a pretty powerful signal to me that we can keep this momentum going, keep this flywheel moving forward. I mean, Terry, the only thing I'd add, you know, at Synovus, we've given updated guidance on revenue of 5%- 7%, expense growth 2%- 4%. We can reaffirm that today. We haven't lost momentum on the P&L front. Terry and I have talked about it. The real key is carrying that momentum into 2026. Nobody wants to limp across the goal line as we get this deal closed. Our team's focused. Obviously there's a little bit of a distraction once you make these sort of announcements, but like Terry's team, our guys are heads down, winning clients, cross-selling, and making sure that we deliver on this year's goals. Jared, if I could, I might just add to that. I think from a mindset standpoint, obviously we've got skepticism on the transaction. We're at a stage where it's a prove it thing, right? I mean, we're going to have to make sure people can see the progress. What we said from the start is it begins third quarter. We need to deliver both earnings and hiring in third quarter. We need to do it again in fourth quarter, and we need to get the deal closed in first quarter. Those are sort of the first legs of proving it. Again, it feels like we're well on track to do that. What's been the feedback from clients? From clients, I think it is fundamentally a non-event. I can't say nobody has had any reaction, but it's nearly no one has had a reaction. I think the case is, again, our situations are slightly different. Kevin, you ought to talk about it on your side. On our side, basically, one of the really important pieces of how we do this deal is we use Rob McCabe, who's my longtime partner, to be the Chief Banking Officer. In that role, he really controls all the bankers, all the specialties, all those things. His task is to make sure that we get even execution of the recruiting models, the hiring models, the business development models, all those sorts of things. All the folks at Pinnacle still work in Rob's empire, and that's a good thing. It just feels like more of the same for our people. As long as our people feel well, they deal with clients well. I think generally it's been a non-event. Most people want to know, are you still going to be there? Which in our case, for 100% of the revenue producers, the answer to that is yes. As long as the answer to that is yes, I think the clients, it's a non-event. Yeah, I'd just echo that. I mean, Terry's spot on. The reason we have great net promoter scores and the reason why our clients say we're great advisors is there's not a lot of turnover in our relationship managers, our financial advisors. Their view of what's changing, as long as they have that financial advisor, they have their treasury salesperson, they have their service folks that they've learned to deal with, there's not a lot of change. On the Synovus side, the questions that we've gotten, you know, with the name change, obviously we're changing names. It's been somewhat refreshing because those of you that have followed Synovus for some time, we didn't use a unified brand of Synovus until 2017. This Synovus name really has only been in place for about eight years. It's not like there was a great deal of ownership. Most of the banks had their locally chartered names that they had had prior to the global financial crisis. They've asked questions when the rebranding would occur. Obviously, that would be 2027. Terry's spot on. As long as they have their bankers, the next question will be, you know, are we having to migrate platforms? We're going through that process right now where we're choosing the client-facing technology that we'll deploy, and we'll have those answers in the coming weeks. We'll start the communication with the client base that would have to migrate. Again, that's going to be over a very long period of time. There hasn't been any concern in the short run. Quite frankly, Terry and I have joked, we've had clients that have done banking with both sides and have asked if their hold limits will go up and whether our balance sheet could build such that they could have all of their relationship with us, which again, size and scale do matter with some of these larger clients. Yeah, I think Pinnacle has seemed to have created the secret sauce for growth over the past few years by identifying strong urban markets in the Southeast and then hiring really good people in those markets. Synovus, you've been doing that more recently as well. Should we expect the pace of hiring? You talked about the success of 58/ 59 at the time of announcement. How should we expect that pace of hiring to go forward over maybe the next year as you're juggling that close and integration? Yeah, I think, you know, there's a slide out there that, you know, sort of has a target for us of 150 revenue producers. I think to your point, Synovus had aimed at a 30% increase in relationship managers, which, round numbers, would be 35 a year. The 150, the 35, that's what we expect the pace to be in 2026. We expect it to increment from there in 2027 and going forward. I get asked this question so many times and it's funny to me. People are like, okay, I guess you won't be able to hire people anymore. People said, hey, surely it's scaled, it doesn't work anymore. The case is we've been at it for 25 years and like every year we hire more than we did the year before. Last year, the biggest size we've been, over $50 billion, we hired 170 relationship managers. Not all relationship managers are revenue producers. Some of them wouldn't be relationship managers. Anyway, the point is it's a record. Here's the thing I try to help people understand with our hiring model. The way we hire people is we're not using headhunters. We're not relying on whatever's going on in the market. We don't use a recruiting function internally. The way it works is, if we hire Kevin Blair, Kevin Blair comes in here and Kevin's got five friends. Kevin says, hey man, you need to hire Jared. Jared would be good. We hire Jared. After we hire Jared, he's like, you need to hire Patrick. It's this spider web that builds, a network that builds. The case is the more people that you do hire, the more people that you can hire. It's a multiplier. It's not like, okay, we've hired all the people we can hire. The more people you hire, the more people you can hire. That's sort of the power of it. My expectation is that whatever the number in that slide is, it'll go up year after year. That's what the belief is. That's what we're setting out to do. I think I'd add to that, to Terry's point, as I look across our footprint and I look at the markets that we're in, Terry and I were talking about having 5%, 7%, and 8% market share. It's not like the density and the coverage of bankers is overly saturated. In all the markets, some of the markets that we were more prominent, some of the markets that Pinnacle has entered recently, there's a lot of opportunity to add in those without having to expand to new markets across the Southeast. We have enough opportunity within our footprint, number one. Number two, I also think that adding to our specialty groups, what I've been super impressed with is some of the specialties that we've encountered with Pinnacle. I think we have some unique specialties on our side. As we know, there's opportunities to add additional specialties that could support the geographic banking units over time. There's geographic hires, there's specialty hires. To Terry's point, our team at Synovus has not had the same fervor around hiring. I used this statistic earlier, Jared. Similar size banks, Pinnacle has 570 revenue producers. Synovus has 270 revenue producers. Let's just say we could get to par with Pinnacle. That's 300 revenue producers Synovus should be adding just to be on par with Pinnacle under the same footprint. There is lots of opportunity to add. I've told Terry in the past, I've been very excited about the way in which they recruit because they're having recruiting meetings three times a week. Their pipelines are not just about loan pipelines. They're about talent pipelines. Rob McCabe, being our Chief Banking Officer, will instill that hiring model across our franchise. I think we're going to get that thing primed and ready to go for 2026. Hey, Jared, if I could, I'll come back and hit on one more thing as it relates to revenue growth. One of the things that excites me about this deal and from the get-go, has been that I believe you've seen the numbers. We went over them in the second quarter. There's information out there, I think, in the third quarter last year where we talk about what's the build on all this hiring that we have. Just said simply, my belief is that June 30, the people that were on our payroll at the time should grow $19 billion in assets between there and 2029. That's a whale of a cushion. That's not in anybody's numbers. I mean, not that some of it wouldn't be in there, but it's not in the consensus estimate that we're going to do that. For me, that's not a stretch at all. All we're trying to do is just hit the average. We're not trying to outproduce something. We're not trying to dream up a new idea. We're just trying to hit the average that we've hit for 25 years. What it means in this deal to me, it cuts both ways. I could view it as a risk mitigator, right? Because if you stumble on revenue, man, that's a lot of earning asset growth that's coming irrespective of the deal, irrespective of the tariffs, irrespective of Fed funds movement, and so forth. That's powerful. What I really believe is we don't need it as a cushion. I think what it does is provide an extraordinary revenue stream that lets us accelerate hiring even further and run faster on getting this universal hiring model built across the whole franchise. Anyway, you've talked to me a long time. I'm optimistic. I think we have extraordinary opportunity to grow revenue. I think just in general, there's some concern in the market that MOEs in the Southeast are tough to pull off. What do you think is different about this deal, and what are some of the milestones we should expect going forward? I'll start, Terry. I mentioned upfront, we made a lot of decisions upfront that I think other MOEs struggle with. Indecision and lack of accountability can be a challenge because if you don't set the tone at the top, you have a lot of folks throughout your organization that are questioning and there's the outcomes, and there's a tremendous amount of uncertainty and fear, and that permeates through the organization. Terry can talk about we came together early on. We said there can only be one CEO, and there can't be flip-flopping of CEOs in months and quarters to come. People need to know who's going to be running the company, and Terry's going to serve as Chairman. I can tell you, Terry didn't come to me and say he no longer wanted to be CEO. He wanted to be CEO. He recognized that. Can we go back over that? We'll renegotiate that. Terry said, "Look, Kevin, you're 54, I'm 70, you need to be the CEO, and I'm here to support you, and I'll do everything I can as Chairman to make this thing happen." We're aligned, and that's the first and most important thing. Two, we didn't go and choose 50-50. We didn't focus too much on the equal part of the MOE. We chose the best athlete to make sure that we had the right people in the right seats to move forward, and we did that early on. That's why you see that we released our org chart. We put headquarters in both Atlanta, our largest market, and Nashville. If you're going to be a Southeastern growth champion, you better have a strong presence in Atlanta and Nashville. Those are the two gateway cities, and we're there. We didn't change our name. We chose Pinnacle, and Terry said this. I didn't come to him saying, "I want to change my name from Synovus." I have pride in our company, but I recognize the value in the Pinnacle name, not only in the marketplace, but also with investors. We chose that. We made a lot of tough decisions upfront to remove fear and uncertainty throughout the organization. As we go forward, some of the things here that we've heard today and in other meetings, MOEs are hard, number one, because there's a lot of call synergies and overlap. We only have 11 markets where there's overlap in our company. The two franchises fit together like a puzzle piece. Of those 11 markets, six where we have equal footings, and that only represents about 6% of the pro forma deposits. Some of the other MOEs you've seen recently had much more overlap, and that just creates the Hatfields and McCoys within those markets to determine who's going to get the job. We don't have that. Number two, the culture at Pinnacle is very strong. I've heard that. You guys have shared that with me. I would tell you the culture at Synovus is also very strong, but I would submit to you, although our cultures are not identical, anybody that says that's just fitting, our cultures are way more aligned than they are different because it's valued around people. It's valued around serving your clients and your communities. As we've spent time together, my teams, when you take the name off the shirt, everyone says, "God, they look and act just like us." I think we're more similar than we're not. Running this Pinnacle model that people said Kevin has to go and do, I told somebody else, I'm like an offensive coordinator. If you have the best running back in the country, you better run the ball 100x a game. If you have the best quarterback in the country, it's the air raid offense. That's what these guys run, the air raid offense. They throw the ball. They're adding people. I can adjust as an offensive coordinator, as Terry mentioned. I've tried to move us to a growth orientation. As you guys know, it's hard to do that in the first couple of years because you have negative operating leverage when you start doing it. Terry's tailwind that he was talking about gives us the opportunity to do that. Running their model is hiring people at a faster pace. Running their model at this geographic banking focus is about putting local decisioning in the geographies. We do that today. Our company has been around for 137 years, and we've had that local geographic leadership intact the entire time. It really requires very few people to move from a line of business structure into a geographic structure. Lastly, we've heard some questions around incentive plans. Pinnacle runs a very unique incentive plan where everyone in the company, every associate, is incented based on how the company does at the top of the house, both on revenue growth as well as EPS growth. I love the idea. Most of our associates who are not in revenue-producing roles today have a very similar plan at Synovus. That means our revenue producers will have to move to that plan. What I've heard is these guys want to be paid based on their own individual performance. Terry has the strongest proof point that would make you realize that this is very achievable. He hires 150 bankers a year, all on incentive plans just like Synovus. They migrate to Pinnacle, they don't leave, and they love working there. He bought a company in 2017, Bank of North Carolina, and they had a very similar incentive plan. They all migrated over to the Pinnacle plan. He kept all the bankers. When we talk with our bankers about moving to this incentive plan, they understand how it's different that more of their compensation will move into base pay, less will be at risk. Who doesn't like that? More is getting paid out in base pay. They also recognize, and I said this to Terry early on in our discussions, we live in a world that has to value meritocracy. I asked him if there's a banker at Pinnacle that performs at a very high level, is there an opportunity for them to earn extra incentive? He said, "We are common sense bankers. We can increase their base comp. We can do something on the side. Of course, we're going to reward our bankers." The real proof point is these guys have 3%, 4%, 5% turnover. If they weren't delivering on the incentive plan and people didn't like it, you would see those numbers much higher. This fit, this MOE that people are worried about, I think it's more of a function of what they've seen out of other MOEs. We have tried to make every decision to learn from those mistakes and do things a little differently. Hey, Jared, let me pile on and I'll take the bait. You sort of pitched it at, hey, some other MOEs hadn't worked, so what's different about your deal? Let me just try to crystallize some of the things. You know, Kevin does a better job than I do of keeping it on the positive, but I just want to be direct about what's different about the transaction. Let's just start with this. Go to market. I mean, that sounds like a buzzword. That's an important idea. How is it that you're going to market? If I can say one deal that hadn't worked yet, I don't think it's figured out yet how they go to market. If they did, they figured it out two or three times because they went this direction for a while and they went that direction for a while. That was the first choice that we made. Well before we're talking about deal economics and all that kind of stuff is what's the go-to-market strategy going to be? We agreed it's going to be the Pinnacle model. If you think about all the MOEs that you've seen, name one where somebody said, "Okay, we're just going to drop that model and we're going to adopt this." They're all trying to figure out how can I give this guy something and that guy something, all that kind of stuff. We said, "Look, we're going with the Pinnacle model. That's an important idea." When you get that clear, then other decisions have to be made. Kevin alluded to the CEO thing. He's right, man. I haven't met with a CEO yet that doesn't like having CEO after their name. You know, they like that, including me. I didn't show up and say, "Kevin, buddy, I'm trying to get out. How about you jump in?" I mean, my own preference would be I want to run this thing. If you say, "Here's what we're going to do. We're going to go with the Pinnacle model. We can't make the mistakes that other organizations did where they handed the CEO to one guy for a while, handed the CEO for another guy for a while, and all the ripple effects in that organization, both in how they go to market, the political ramifications of it, the turnover that's caused by that, the reorganization." I just had to say, "All right, we're going with one long-term CEO." That didn't take long to decide we're going with the 54-year-old instead of the 70-year-old. We created clarity around that. You work on down to the branding decision. He alluded to that. I think about a deal that didn't work. They couldn't get clear on a brand, so they throw them both out. My opinion is either one of the brands would have been fine. Pick one, win half your customers, half your investors, whatever, not all of them. That's what we're going to do. We're going to pick one, win half. The systems, that's a really important decision. I know one where they said, "We're going to throw all this stuff out and develop some new really good stuff," which turned out not to be so good. What we said was, "Look, we're not going to have a long debate about this." I started my career as a systems consultant. I've installed a lot of bank software. What you do if your company's our size is you're going to have a core processor and you're going to operate packaged software. When you make that choice, you've decided I'm going to be mad at my system processor because it'll never have all the feature and functionality that I want. We could have messed around here and gone through feature benefit analyses and all that sort of stuff. We didn't waste any time on that. We're on Jack Henry. We're the largest single user on Jack Henry. They're on FIS. It's a more scalable platform. Why argue about that? We're going to FIS. It's a more scalable platform. Serves half the clients already, half the associates already. We just got a small migration effort to get across. You can tell these things are important to me. They were important in the decision-making. This is a starkly different transaction than one you could consider. I believe one of my great frustrations is in this transaction, we had a leak. What that did was put a microphone in the hand of a bunch of skeptics out there to paint this deal like Truist 2.0, which it is not. It's meaningfully different. That's the thing that would be important to me to communicate is, hey, we've made decisions. Because we did, we have people today back in Nashville and Atlanta and Columbus making decisions going forward doing stuff because they know where we're going. Great caller. Thank you. We have a few questions for the audience, and then we can open it up for questions. If you can use your Blackberry first for these, and then we'll switch to the microphone. What's your current position in, we have it as Pinnacle, but we could say Pinnacle -Synovus shares? Long, number one, equal weight, number two, short, number three, or not involved, number four? Oh, 60% not involved, but clearly interested. Number two, which would have the largest impact on improving the relative valuation of shares of Pinnacle? This is a question we ask everybody. Better relative NIM performance, two above peer loan growth, three better expense control, four credit quality outperformance, five more active share repurchases, or six in accrued bank acquisition. Hope nobody chooses six. Yeah. 50% on growth. Number three, what will organic growth be in 2026 at Pinnacle? One, 3%- 5%. Two, 5%- 7%. Three, 7%- 9%. Or four, 9% +. Seven, nine, almost half. Four, assuming deal expectations, the approval timeline, cost savings, accretion, systems conversion, etc., are met and are on track at this time next year, how will shares of the pro forma company perform versus the KRE from now until then? One, underperform by more than 500 basis points. Two, perform within ± 500. Outperform by 500- 1,500 or outperform by more than 1,500 basis points. Some feels like there's opportunity to outperform if you're able to execute on the targets. In general, what do you think happens to category four bank asset level regulation? One, nothing. Two, the asset level increases with inflation. Three, it moves to $250 billion. Or four, there's a complete removal of the asset size test. It moves to $250 billion, which has been pretty consistent. We have some questions I see in the audience. We have a microphone to use. There's one first down here. Thank you. I mean, great job outlining the differences between your merger and Truist. I think you were also very clear about the comp plan. You did mention your two cultures are more alike than different. Can you just give us a bit more detail on both of those things? Thank you. Yeah, culture is hard to describe because it's the set of values that people believe. I had the opportunity to go through the three-day orientation. One of the things that Pinnacle does for all their new employees is they come to Nashville within the first year, I believe, and you go through a three-day orientation. What Terry and Harold and the executive team do is they walk you through the history of the bank through their eyes. It starts with the deck that they presented for their IPO back in the year 2000. What was interesting is the principles that they built for the bank over those 25 years haven't changed. Those values around hiring team members, valuing relationships, building communities, those are the same principles that our company was created 137 years ago. The differences, right, if you start there and say that the cultures are aligned around family orientation, giving back to your community, serving your clients, that's how banks should be built. The difference is I would argue that Terry has talked about the entrepreneurial culture that they built there. When you've been 25 years, and you've said this, Terry, I love it, is when you get to build something, you get to start from scratch and build what you want. He's created a model where they have the entrepreneurial spirit across their nine-state footprint, where individuals have accountability and autonomy to be able to go and make the decisions. As Terry and Harold have set out, someone doesn't get a budget each year and says you get to hire 10 people. What Terry said is if you can hire 100 good people, go hire the 100 good people. We'll figure out a way to set those expense numbers and offset that with revenue. That's been their model, very entrepreneurial. I would submit to you that we haven't been that entrepreneurial. We're in maybe a traditional mode where we would go out and say, "Hey, Kevin in South Florida, I want you to add 15 people this year. Jennifer, you add 10 people." What we're going to have to do in order to empower our team members is allow them to make those decisions. I joke, Jamie Gregory's in the audience and Harold's going to be retiring as CFO. I told him that Harold's bleeding ulcers will transfer to Jamie's because the finance guys are going to have to figure that out. Because if you're going to create that sort of entrepreneurial spirit and give people the accountability and autonomy to hire folks, you've got to be able to do that. As you get larger, there's a lot of command and control type things that go into place. The second thing is Terry and his team, you won't go through a meeting at his company without talking about his BHAG, his big hairy audacious goal, and how they focus on revenue growth. I would submit to you at Synovus, we've talked more about a balanced way of dealing with that, more of EPS, PPNR. We've built out, we've spent a lot of time and energy on the risk management function. I think Terry said this in the past, as we look at LFI, he's been pleased that we've spent as much time and energy developing some of the risk management practices. We've probably put a little more time and attention there. The cultures align on the values, on the purpose, on the missions of the company. How we do things are a little different, but I haven't seen anything that says we can't do this. I'll do one other example. I was at orientation and Terry and his company have this thing called the wow account. Team members have the ability to go and wow a client, wow a team member. I think I asked Harold, like, what's the budget for that? There's no budget. People get to go and wow people, but they think about it. No one's going and buying somebody a Mercedes and saying, "Hey, I hope you have a great day." They understand it. They're wowing them on little things. [My idea.] Yeah, exactly. My idea on that, I'm an ex-finance guy. I'm like, gosh, if you gave somebody a wow account and it's unlimited, my gosh, what are we going to deal with here? There is a little bit of that for me. Look, I have to learn and change. What you'll see, and I give you this as an example, I'm taking up for Terry's group because what they don't spend money on is brand advertising. He would tell you they go out and wow clients with this account, and that person that got wowed in the branch is going to go tell 20 people. They don't need to put money out in brand because those 20 people are going to go around and be raving fans for the company. Where you may spend a little more on wowing clients, you're going to spend a little less on branding and other things. Those are the kind of tactical differences that I've observed. I don't want anyone to think that we're identical. We're not. There's been nothing I've seen that doesn't say, like, that is rooted in a good cause and something that we can do. The other thing I would admit to you is, again, we had one of Terry's, Rob McCabe, came over to Columbia, South Carolina, recently for one of our events. He said, "Gosh, there are a lot of young people in this room." Terry and his folks, they hire people that only have 10 years of experience in their role. Most of them, the average is 18 years. We've had an associate program. We hire a lot of college graduates. We bring them up through the organization, generally through credit or through our retail network, and they make their way into the bank. You know, there's something there. We're different. We're going to continue to focus on bringing in youth and having that in roles where they can be experiential and they can learn. We're going to adopt the Pinnacle model where if you're a frontline revenue producer, gosh, it makes pretty good sense to hire people that have 10 years of experience in the market and that have worked with someone. There are tactical differences, but I would say the seams of the organization fit together extremely well. Yeah, I might just add to that. I think Kevin did a nice job on culture. It's sort of the shared values and shared beliefs and shared experiences that people have. That's what really creates a culture. When I meet with people at Synovus, it feels the same as when I meet with people at Pinnacle. That aspect of same values, same experiences, same goals, aspirations, all that sort of stuff. To Kevin's point, I think there are differences here. One of the things that I guess a couple of things are important to me about how we get this done. One is I think we know how to inculcate culture. I've made other big acquisitions that look much like this. We got through. We didn't lose a market leader. We didn't lose a revenue producer at all in the transaction and created great growth. The way we got that done was we spent the time and energy to help people buy into what we're doing. We don't put the thing on autopilot. We tell the story, create the buy-in, and so forth. You do have the advantage that Kevin is adopting the incentive compensation models, and that's not only the annual cash incentive plan, which is tied to revenue and earnings growth. That changes the dialogue in a company substantially when I literally have tellers grab me on the elevator wanting to know how come we're short on EPS, you know. That's a different mindset. Just having the compensation system moves people in that direction. Same idea with the stock. People make an intelligent choice about what to give somebody to wow them because they're shareholders and they can think like shareholders. Those are powerful things. The main thing that I'm betting on, the main thing I believe in is that Kevin Blair is the single best person to run the next leg of this race at Pinnacle. I promise you, I know what every alternative is, and it's not a contest. Kevin's the best guy to do this. He's proven to be a great executor at Synovus. To his point, he needs this model to run the next leg of the race he's trying to run. It just helps him accelerate. As long as we have this agreement on the model, I think we work down through this stuff just like we have every other transaction. Anyone else? Maybe just at the end, when you look at some of the expense expectations coming out of it, it was limited expense cuts. You've talked about making investments to run a larger institution, looking at category four bank asset thresholds and LFI. If we do see relief, as everyone here seems to expect, what would that do to the implied expense, either savings or opportunity for investment? Just to ground everyone, if they don't know the numbers, we put $45 million upfront as one-time expense to help with the data infrastructure to comply. We have $35 million in run rate associated with people primarily, and we have $45 million in run rate associated with additional debt, whether it's related to TLAC or just building the securities book or cash profile of the bank. What Terry and I have said is, look, as we grow this bank, we recognize there's a need to continue to improve our risk management practices. If we got an edict tomorrow that it goes to $250 million or it's non-asset based based on complexity, I think what we would do is take some of that money, $5 million, $10 million spent on data and risk infrastructure. If we take the other $30 million and deploy it in revenue producers, because that's where we could take that fungible cost, continue to improve our risk management, but double down on the revenue growth. To me, the opportunity is not to drop that added expense to the bottom line, lower the efficiency ratio even more. It would be to redeploy it back to the front line to say, hey, now you have a bigger coffer to be able to go out and add these people, embed it within the current financial forecast. We feel like it's important that we continue to improve risk management. If you think about LFI in general, the big heavy lists are a lot of reg reporting, and that's data related. As Jamie said in a previous meeting, if the administration were to change in the next two years and it came back, we'd want to make sure we built the data over that time that we could comply with a lot of the data reporting aspects. The heavy lift is in 2027 around CCAR and LCR. Both companies today do a capital stress test. Both companies today do a liquidity stress test. The real added costs are the ongoing reporting of things like [FR 2052a] and the thousand pages of reports that go along with your submission. What you shouldn't take away from that if we don't have to comply is that we won't be prudent. We're going to continue to do stress testing. It just won't cost us the $35 million, and we'll redeploy it into revenue producers. Jared, the power of that is we've been a prolific grower of revenue using this hiring model. We had the luxury of starting with a clean sheet of paper, and you can build that ladder as you go. Once you're on the treadmill, you're good. Nobody else can get to the treadmill because they're going to destroy operating leverage for two, three, four years while they try to build into it. To have this is a luxurious thing. It just lets us get everybody on this treadmill, and I think it does produce something pretty special. Great. Thank you, everybody. Please join me in thanking Pinnacle and Synovus for joining us today.