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Net charge-off rate was 0.48% in Q1 2026. Allowance for credit losses totaled $14.3 billion at the end of Q1. Nonperforming loans stood at $8.4 billion in early 2026. Provision for credit losses measured $450 million in Q1. Credit card charge-off rate hit 2.1% in Q1 2026. Commercial loan delinquencies rose to 1.2% in Q1. Consumer delinquency rate remained 1.8% overall. Criticized loans increased to $45 billion year-to-date. 30-89 days past due loans were $6.2 billion in Q1