Net loan charge-offs, as a percentage of average loans, rose 17 bps year over year to 0.34%. The allowance for loan and lease losses was $1.55 billion, up 4.5%. Non-performing assets, as a percentage of period-end portfolio loans, other real estate-owned properties assets and other non-performing assets were 0.68%, up 29 bps year over year. However, the provision for credit losses was $100 million, decreasing 40.1%. The decline reflected a more stable economic outlook and the impacts of KeyCorp's balance sheet optimization efforts. We had expected the metric to be $91.7 million.