David Feaster: And maybe let’s dig into that. I’m just — could you talk about some of the trends that you’re seeing on the core funding side? Obviously, we’re seeing more migration. But I’d just be curious, some of the underlying trends that are happening there, how new core deposit pricing is just how you think about deposit balances going forward in your conversations with clients and your focus on gaining share?
David Morimoto: Like the industry, we’ve been — the deposit remix has continued. The positive there is we see the rate of change starting to moderate, starting to slow. DDA balances, as a percent of total, are returning back to 2019 levels. So the risk of migration is diminishing. And I think that’s what gives us some cautious optimism on the net interest margin. As far as deposit flows, it is like everywhere, the battle for core deposits is real. We are grateful that we have great customer relationships and we’ve been fortunate to deepen some of those relationships, while we have been able to grow some new relationships, and we expect that to continue.
David Feaster: And maybe just touching on the credit front. You talked about some of the stabilization, it sounds like, in the consumer book. I’m just curious — I know you guys sold some loans in the quarter. Just curious how you think about managing credit and asset quality, are there any additional loan sales that you’re expecting? And then just, as you look more broadly into your portfolio, what are you watching more closely and just anything causing you concern and your thoughts on proactively managing credit going forward?
Arnold Martines: David, we’ll turn to Anna to respond to your questions.
Anna Hu: So with regards to a broader outlook, we continue to focus on consumer. We have been focused on watching the Mainland consumer performance, but we are also watching the Hawaii performance. There’s also the Lahaina, Maui wildfire, in which we are continuing to work with our customers. We’re not expecting significant impact there but we are watching with regards to the return of tourism and just a general outlook for that island specifically with regards to our consumer portfolio. The rest of the portfolio continues to do well. We are not concerned with any aspects of the different product types that we currently have. So overall, that’s — yes, the focus is really on consumer, both Mainland and Hawaii.
Operator: And there are no further questions at this time. So I will now turn the call back to Mr. Arnold Martines for closing remarks.
Arnold Martines: Thank you, Abby. And thank you very much, everyone else for participating in our earnings call for the third quarter of 2023. We look forward to future opportunities to update you on our progress.
Operator: And ladies and gentlemen, this concludes today’s call, and we thank you for your participation. You may now disconnect.
