Zions Bancorporation(ZION) - 2024 Q2 - Earnings Call Transcript

John Pancari Operator I want to start maybe for you, Ryan. So if we could unpack this a little bit more. So just looking at the changes that you've made, I don't know what slide, this is on the net interest income sensitivity. So you're taking down the assumption for deposit beta a bit. And I'm wondering, is that because you overlay the current forward curve, so you have more cut in the curve and that's why you're looking for a lower beta or is something else driving that? Because it seems like that's what' ...