Market watchers note PNFP stock forecast stability due to its strong capital ratios, with Tier 1 leverage around 9%, which exceeds regulatory benchmarks and appeals to long-term investors. We continue to be somewhat interested in high quality real estate, primarily warehouse and some multifamily but let me stress, any new commitments to this space are limited to strategic client relationships only, and in no way should anyone perceive we're on any sort of offense here. As to the impact of higher for longer, lots of discussion around liquidity and takeout availability in the institutional CRE space. We would agree that liquidity is tight for say downtown multi-tenant office, power center retail, high end hospitality and other specific segments where COVID and now inflation has been very impactful. We just don't have much, if any, exposure to these segments. For our segments, we, like other banks are seeing our institutional borrowers delayed decisioning regarding any sort of exit on these projects, whether it’d be marketing for sale or securing a permanent loan. We have seen 219 institutional investors add shares of $PNFP stock to their portfolio, and 199 decrease their positions in their most recent quarter. PNFP stock forecast remains constructive with balanced exposure to interest-sensitive and fee-based revenue streams, providing earnings stability.