Can deposit -- or can non-interest-bearing deposits drop materially from here, go back to pre-GFC, 15 years ago, the average for the industry was almost half of what it's been since then.

Source: https://seekingalpha.com/article/4595454-wintrust-financial-corporation-wtfc-q1-2023-earnings-call-transcript?source=feed_all_articles

Deposits actually grew more than 4% sequentially, with non-interest-bearing deposits up close to 3%.

Source: https://seekingalpha.com/article/4578644-bank-of-nt-butterfield-and-son-closed-2022-strong-and-remains-undervalued?source=feed_all_articles

So those are in non-interest-bearing checking and interest-bearing checking.

Source: https://seekingalpha.com/article/4595353-national-bank-holdings-corporation-nbhc-q1-2023-earnings-call-transcript?source=feed_all_articles