Let's take a look at the state of the consumer now with two regional bank CEOs coast to coast. Joining us now is Ira Robin, CEO of Valley Bank, which is more centered on the east coast, and Brent Beardall, CEO of WAFED, more on the west coast. Thank you both for joining us.Um Brent, let's start with you. Uh in terms of the state of the consumer, we heard a report from Sharon Eper last hour which talked about basically the the difficulty that consumers are having on all ends of the income spectrum in paying ...