Fifth Third Bancorp provided earnings guidance for the first quarter and full year 2018. For the quarter, the company expected that its net interest income to be between $975 million and $980 million or down approximately 1% from fourth quarter's adjusted NII, which is largely driven by day count. The company expects to record an approximately $415 million pretax step-up gain given the recent close of Vantiv's acquisition of Worldpay. For the year, the company expected NII growth to be approximately 5% from the adjusted 2017 NII or between $4 billion and $4.07 billion, exceeding -- again exceeding its December guidance. For the year, the company expected its tax rate under the new legislative environment to be in the 15.5% to 16% range, which is impacted by the step-up gain from the Vantiv Worldpay deal.