Morning David. You're at medium energy, so I'd start with something that moves but isn't heavy. Three things are live — the Martinez conditions are the only time-sensitive one (due Thursday). Want to knock those out, or ease in with the Chen call?

Chen texted at 7:15 — she's asking if locking today makes sense given rates. Rates ticked down this morning and Summit is best at 6.625%. It's a quick, satisfying win: one call, she's ready to decide. Want me to pull up her file and draft what you'd say?