It's been a very strong year for the markets, by the way. A very strong year for Bank of America in the markets. The economy has done well, not as well, perhaps, as the markets might indicate.Do you think the economy is in better shape because the markets are really over predicting what's going on. Look, as you look at our team, we have a great research team. As you know, David, their projection for 26 is a strong economy, 2.4% U.S. GDP growth.And that's strong not only on a relative basis to trend above 2% ...

Digital Transformation & Customer Experience - 99% of Bank of America's customers interact digitally, fully self-service [2] - 99% of interactions in the consumer business are self-service digital [2] - 65% of account openings are done digitally, compared to 0% ten years ago [2] - Client satisfaction has increased from the high 70s to 89.1% [2] - Bank of America has conducted 3 billion transactions through Erica, and it continues to grow exponentially [6] AI & Technology Implementation - Bank of America has 1400+ patents and 250 models in production with AI [4] - The company uses coding agents for 17,000 developers to improve productivity [13] - Bank of America is intentionally model agnostic and does not want to be tied to any single solution [11] - Bank of America embraces commodity foundation models but builds upon them for complex workflows [10][11] Productivity & Employee Impact - Coding agents free developers to do more innovative work rather than mundane tasks [16] - Generative models can create the first draft of a dossier for client meetings, saving hours [8] - Bank of America measures productivity gain through metrics like cost per story point and defect density [13]