...A. So we had the impacts of COVID and all that entailed and the downturn in the economy. B. So if you think about what we've known for, what you're familiar with, first of all, our diverse and very unique business mix, 41% of our revenue derives from fee income. C. So the value of those $70 billion of core deposits is all the much more than what we initially thought. D. We went from a number 11 or 12 market share to top five. E. And by different measures, it was a 15% to 20% step function in scale for U.S. Bancorp. F. We realized, we set out a goal of $900 million. G. We realized $900 million, and we did it in the timeframe that we said we were going to do with it. H. And during that timeframe, rates went up 500 basis points. I. And as a result, when we closed, we had a capital implication that brought our capital ratio down to 8.4%. J. What I'm proud of that did was attack that very vigorously and built it from 8.4% to 9.9% at the end of 2023. K. And as we sit today, 10.3%, we're above...
