Description: Chris Nichols, Director of Capital Markets at SouthState Bank discusses key strategies for growth in the current environment with Dan Marks.   Key points covered include:   Chris’ background and role  The interplay of balance sheet, income statement, and hedging strategies in the current environment  How Chris’ team enables banks to implement the right balance sheet and customer tactics   The importance of prioritizing customer relationship growth and picking the right areas to focus on in order to earn above the banks’ cost of capital Best practices in driving relationship deposit growth  How data, machine learning, and practical analytics can and should inform prioritized focus  Chris’ perspective on what we will all wish we knew about 2024 ahead of time by the time we get to 2025 and look back on the year