I'm also proud that TD Auto Finance ranked highest in dealer satisfaction for non-prime and prime credit among non-captive auto finance lenders, according to the JD (NASDAQ: JD ) Power 2024 Canada Dealer Financing Satisfaction Study. Turning to the US, the US retail bank continued to deliver strong operating momentum with sequential earnings growth of 7% and peer-leading loan growth in a challenging environment. We launched TD Complete Checking, a new product design to help simplify and modernize the checking experience, and TD Early Pay, a new feature that lets customers receive direct deposits up to two business days early.