Net Charge-Offs -- Annualized at 26 basis points for the quarter; 18 basis points for the full year, improved from 19 last year; guidance for 2026 is 20-25 basis points. -- Annualized at 26 basis points for the quarter; 18 basis points for the full year, improved from 19 last year; guidance for 2026 is 20-25 basis points. I am proud of our fourth quarter performance and our record-setting results for the full year of 2025. For the full year, net charge-offs improved from 19 basis points down to 18 basis points. Real quickly on that five basis points of expansion, two basis points of that expansion really came from our sub-debt payoff.