Yes. Matt, is Daniel. this
So a on the little bit consolidation. branch
trends, network evolved the customer strategy We're retail our and profitability, time. the over how evaluating So our we're has usage, constantly that there. reviewing
we're have density, add where some reviewing we share reviewing need constantly we we're that. markets we have might so And branches. And where where and our to
So reduction. into would There's our kind investments too. invest? about initiative. not we're better that your I question bank revenue would cost think all That's put you a about there, of doing it of about if we bucket where in
finite put that. and to a $X million So deploy how would we that pin haven't we
We'll line. likely take We'll some reinvest likely of the bottom that.
think, We de this I four opened have year. novos
in We been of We some driven We've about when reinvestment always function. us. back there. to our office has benefits which invested great future in there's hire a to talked we So one. find want banker some procurement, investments
over all investing So bank. the we're
we we -- what that's can you just the I'll that, I operating mindset so is about of And how really we've job think, done investments. that couple then good the that. of tell are over our whole under And self-fund years. last And a
a guide $XXX know a but at it's gave I $XXX that we lot, look I was to we this which worth repeating. remind kind You you, the to think of say
annualized That's down rate. run X% to X% from our QX 'XX
merit, of So that couple making, got we're X%. of to you've and down investments we're still years high inflation X%
providing year, come of think I probably done this year. There's to benefits. have permanent that. some I this our think There's in you as we've some way renegotiated one-timers vendor Within think about a that that's our there's that. We've that, gone for also and things have several below couple -- parts things guide that to of expenses. that on major to reductions the contracts, we'll
think there's quarter probably accruals you number. probably incentive probably guidance, onetime good -- still salary quarter, that about higher bit the really come because little So I third quarter, as third relative benefit and you a our in for in a quarter, fourth just to about $XXX but fourth some the we'll under there feel was
