E.J. Antoni

I'm optimistic, but largely only because of the people that are going to be at the helm. The ship of state is going to go through some very, very turbulent waters in the year ahead. We have a lot of what I would call ticking time bombs within the economy. You know, we talked about inflation resurging. That's one of them. The commercial real estate market is on very, very shaky territory.

And that means that the small banking sector, which provides all of the commercial real estate loans, they're also looking at a lot of trouble coming down the pike. So again, we're facing a lot of economic headwinds. Let me put it that way. But I have a lot of confidence in leadership that they're going to be able to get us through. Great stuff. Thank you so much for talking with us.

And that means that the small banking sector, which provides all of the commercial real estate loans, they're also looking at a lot of trouble coming down the pike. So again, we're facing a lot of economic headwinds. Let me put it that way. But I have a lot of confidence in leadership that they're going to be able to get us through. Great stuff. Thank you so much for talking with us.