This should have always been the strategy to split banks. With the vast majority of stablecoin reserve growth recirculating back into bank deposits, it naturally would cause aggregate deposits to become more interest rate sensitive. This would benefit some banks at the expense of others. Once the lobby splits, it becomes far more persuasive to legislators that they've zeroed in on a reasonable compromise. I would hammer on this point to the cohort of banks that stand to benefit.(Scott Johnsson)