How Much of a Headwind Is It?

We've added more than two billion dollars with deposits in each quarter for the last three quarters and we're well on our way to doing that again in this first quarter of the year. If if the student loan moratorium ends there will be a pickup in student loan refinancing but we're not counting on it. We have a diverse business and the thing that gates are growth is how much we invest and where we invest umIf that business comes back we'll allocate resources to it to capture the opportunity and meet our meet our members needs if not we can reallocate other places and continue to drive our performance all right quick final question is just about the fed then how much of a headwind is