The yields on longer-term bonds tend to tick up as expectations of inflation and Fed rate hikes increase, and some think all of the stimulus and pent-up savings and demand could lead to that. A decision is coming soon, and I think there is a good chance the Fed will extend the exclusion, but this will be an interesting issue to watch this year because a more permanent solution will likely be needed. However, it limited total capital distributions, including share repurchases and dividends, to not exceed a bank's trailing four-quarter average net income.