We are growing credit lines gradually, so that will getting several other raise on the mortgage development front side And simply — given that a follow-right up, you talked about, you understand, the chance of pressure, brand new results ratio. I mean, you got specific quite good money increases. Do you really speak about — I mean, of course, you know, one would think that that kind of facilitate from the view to be in a position to loans this new investment. Might you speak about just what situations carry out drive, you are sure that, periods of time in which that overall performance ratio would-be stressed instead of minutes where it might be improving? Yeah. Better, look, cash progress is the best friend of efficiency ratio because you highlight, Moshe. And you can the beliefs — I believe certain companies types of drive — attempt to drive an extremely sustained performance ratio update by simply squeezing costs away, and we’re yes trying to drive numerous efficiencies out of technology. But the beliefs is certainly one to, you are sure that, leaning on committing to tech and also in growth ventures, you realize, will be a system getting funds progress. Which, with digital efficiencies, may help drive a continual much time-name change in performance proportion. And of course, we’ve preferred something similar to a 500-basis-point change in overall performance ratio from 2013 so you’re able to 2019 in the event the pandemic particular disturbed the procedure. Why I pointed out the newest — my review on overall performance proportion a few momemts back is actually leading out some of the challenges on the cost front side that truly are from the brand new sweeping digital alter that’s transforming the latest elizabeth for investment and you can development. […]