Comerica Incorporated

obviously taking into account sort of full relationships and doing the right thing by our customers. And so I think there's a chance for us to offset some of that just by pricing discipline and potentially long growth in 2024.

Yeah, as I mentioned earlier, thanks, Kurt. I mean, we do. feel like we have the right to ask for the proper pricing relative to our cost of funds. And to the extent there is less liquidity in the economy, the deposit pricing, cost of funding goes up. And I would expect to recover a piece of that or perhaps all of it in our pricing equation. But again, we'll see what the market allows and what we can demand from it.

I know one of the factors is noninterest bearing levels, right, which we're down again this quarter. But I'm curious, Are you seeing customers still optimize and move balances out in search for higher yield, or is it just back to spending cash?