We are also tackling expense management more structurally in anticipation of the next few years.

Feb 11, 2026 / CFO / receipt, needs a key / Sun Park, CFO | earnings call 2026-02-11 | transcript 06c032df-834f-4d79-81ec-1ad27dfc16da | chars 4393-4489 | segment 4

Yeah, structurally, Whit really refers to the notion that we are looking - As opposed to what I would describe as more traditional annual expense management, we're looking, as we've talked about over the past year, more thoroughly at the deployment of technology, basically, that allows us more expense reduction opportunities, and that includes application of those technologies in our global business center.

Feb 11, 2026 / CFO / receipt, needs a key / Sun Park, CFO | earnings call 2026-02-11 | transcript 06c032df-834f-4d79-81ec-1ad27dfc16da | chars 15515-15925 | segment 15