Brian Moynihan

If you actually make this a policy, it can reallocate credit.

That will slow down spending, it will slow down credit availability, and that might not be what you're trying to achieve.

So can you do something on a go-forward basis on the limited things?

If you actually make this a policy, it can reallocate credit.

That would slow down spending.

It will slow down credit availability, and that might not be what you're trying to achieve.

The number one thing is to continue to work the headcount through operational excellence and applications of new technologies, including AI, that we gave you.

Today's activity in Erica and our consumer business alone is worth thousands of teammates that we don't have to have to do the great work we do for the customer.