XML 89 R87.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Fees and Commission Revenue Fees and Commissions (Details) - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Dec. 31, 2017
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue $ 702,201 $ 643,176 $ 681,014
Fees and commissions revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 702,201 643,176  
Fees and commissions revenue not from contracts with customers [1] 263,146 209,384  
Fees and commissions revenue from contracts with customers [2] 439,055 433,792  
Brokerage and trading revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 159,826 108,323 131,601
Fees and commissions revenue not from contracts with customers [1] 116,177 73,291  
Fees and commissions revenue from contracts with customers [2] 43,649 35,032  
Trading Revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 88,558 28,077  
Fees and commissions revenue not from contracts with customers [1] 88,558 28,077  
Fees and commissions revenue from contracts with customers [2] 0 0  
Customer hedging revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 18,941 38,834  
Fees and commissions revenue not from contracts with customers [1] 18,941 38,834  
Fees and commissions revenue from contracts with customers [2] 0 0  
Retail brokerage revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 16,136 17,952  
Fees and commissions revenue not from contracts with customers [1] 0 0  
Fees and commissions revenue from contracts with customers [2] 16,136 17,952  
Insurance brokerage revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 13,861 4,198  
Fees and commissions revenue not from contracts with customers [1] 0 0  
Fees and commissions revenue from contracts with customers [2] 13,861 4,198  
Investment banking revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 22,330 19,262  
Fees and commissions revenue not from contracts with customers [1] 8,678 6,380  
Fees and commissions revenue from contracts with customers [2] 13,652 12,882  
Transaction card revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 87,216 84,025 119,988
Fees and commissions revenue not from contracts with customers [1] 0 0  
Fees and commissions revenue from contracts with customers [2] 87,216 84,025  
TransFund EFT network revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 77,324 76,221  
Fees and commissions revenue not from contracts with customers [1] 0 0  
Fees and commissions revenue from contracts with customers [2] 77,324 76,221  
Merchant services revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 8,786 7,804  
Fees and commissions revenue not from contracts with customers [1] 0 0  
Fees and commissions revenue from contracts with customers [2] 8,786 7,804  
Corporate card revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 1,106 0  
Fees and commissions revenue not from contracts with customers [1] 0 0  
Fees and commissions revenue from contracts with customers [2] 1,106 0  
Fiduciary and asset management revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 177,025 184,703 162,889
Fees and commissions revenue not from contracts with customers [1] 0 0  
Fees and commissions revenue from contracts with customers [2] 177,025 184,703  
Personal trust revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 81,763 96,839  
Fees and commissions revenue not from contracts with customers [1] 0 0  
Fees and commissions revenue from contracts with customers [2] 81,763 96,839  
Corporate trust revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 24,635 22,292  
Fees and commissions revenue not from contracts with customers [1] 0 0  
Fees and commissions revenue from contracts with customers [2] 24,635 22,292  
Institutional trust & retirement plan services revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 44,352 44,476  
Fees and commissions revenue not from contracts with customers [1] 0 0  
Fees and commissions revenue from contracts with customers [2] 44,352 44,476  
Investment management services and other [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 26,275 21,096  
Fees and commissions revenue not from contracts with customers [1] 0 0  
Fees and commissions revenue from contracts with customers [2] 26,275 21,096  
Deposit service charges and fees [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 112,485 112,153 112,079
Fees and commissions revenue not from contracts with customers [1] 0 0  
Fees and commissions revenue from contracts with customers [2] 112,485 112,153  
Commercial account service charge revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 47,905 47,272  
Fees and commissions revenue not from contracts with customers [1] 0 0  
Fees and commissions revenue from contracts with customers [2] 47,905 47,272  
Overdraft fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 35,356 36,536  
Fees and commissions revenue not from contracts with customers [1] 0 0  
Fees and commissions revenue from contracts with customers [2] 35,356 36,536  
Check card fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 22,030 21,306  
Fees and commissions revenue not from contracts with customers [1] 0 0  
Fees and commissions revenue from contracts with customers [2] 22,030 21,306  
Automated service charge and other deposit fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 7,194 7,039  
Fees and commissions revenue not from contracts with customers [1] 0 0  
Fees and commissions revenue from contracts with customers [2] 7,194 7,039  
Mortgage banking revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 107,541 97,787 104,719
Fees and commissions revenue not from contracts with customers [1] 107,541 97,787  
Fees and commissions revenue from contracts with customers [2] 0 0  
Mortgage production revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 42,720 31,690  
Fees and commissions revenue not from contracts with customers [1] 42,720 31,690  
Fees and commissions revenue from contracts with customers [2] 0 0  
Mortgage servicing revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 64,821 66,097  
Fees and commissions revenue not from contracts with customers [1] 64,821 66,097  
Fees and commissions revenue from contracts with customers [2] 0 0  
Other revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 58,108 56,185 $ 49,738
Fees and commissions revenue not from contracts with customers [1] 39,428 38,306  
Fees and commissions revenue from contracts with customers [2] 18,680 17,879  
Operating Segments [Member] | Commercial [Member] | Fees and commissions revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 168,667 161,949  
Operating Segments [Member] | Commercial [Member] | Brokerage and trading revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 18,558 15,376  
Operating Segments [Member] | Commercial [Member] | Trading Revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0  
Operating Segments [Member] | Commercial [Member] | Customer hedging revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 8,422 7,748  
Operating Segments [Member] | Commercial [Member] | Retail brokerage revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0  
Operating Segments [Member] | Commercial [Member] | Insurance brokerage revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0  
Operating Segments [Member] | Commercial [Member] | Investment banking revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 10,136 7,628  
Operating Segments [Member] | Commercial [Member] | Transaction card revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 83,158 79,946  
Operating Segments [Member] | Commercial [Member] | TransFund EFT network revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 73,479 72,280  
Operating Segments [Member] | Commercial [Member] | Merchant services revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 8,607 7,666  
Operating Segments [Member] | Commercial [Member] | Corporate card revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 1,072 0  
Operating Segments [Member] | Commercial [Member] | Fiduciary and asset management revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0  
Operating Segments [Member] | Commercial [Member] | Personal trust revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0  
Operating Segments [Member] | Commercial [Member] | Corporate trust revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0  
Operating Segments [Member] | Commercial [Member] | Institutional trust & retirement plan services revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0  
Operating Segments [Member] | Commercial [Member] | Investment management services and other [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0  
Operating Segments [Member] | Commercial [Member] | Deposit service charges and fees [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 43,387 42,583  
Operating Segments [Member] | Commercial [Member] | Commercial account service charge revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 42,251 41,931  
Operating Segments [Member] | Commercial [Member] | Overdraft fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 313 370  
Operating Segments [Member] | Commercial [Member] | Check card fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0  
Operating Segments [Member] | Commercial [Member] | Automated service charge and other deposit fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 823 282  
Operating Segments [Member] | Commercial [Member] | Mortgage banking revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0  
Operating Segments [Member] | Commercial [Member] | Mortgage production revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0  
Operating Segments [Member] | Commercial [Member] | Mortgage servicing revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0  
Operating Segments [Member] | Commercial [Member] | Other revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 23,564 24,044  
Operating Segments [Member] | Consumer [Member] | Fees and commissions revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 187,996 178,174  
Operating Segments [Member] | Consumer [Member] | Brokerage and trading revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0  
Operating Segments [Member] | Consumer [Member] | Trading Revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0  
Operating Segments [Member] | Consumer [Member] | Customer hedging revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0  
Operating Segments [Member] | Consumer [Member] | Retail brokerage revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0  
Operating Segments [Member] | Consumer [Member] | Insurance brokerage revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0  
Operating Segments [Member] | Consumer [Member] | Investment banking revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0  
Operating Segments [Member] | Consumer [Member] | Transaction card revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 3,980 4,076  
Operating Segments [Member] | Consumer [Member] | TransFund EFT network revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 3,924 4,017  
Operating Segments [Member] | Consumer [Member] | Merchant services revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 56 59  
Operating Segments [Member] | Consumer [Member] | Corporate card revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0  
Operating Segments [Member] | Consumer [Member] | Fiduciary and asset management revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0  
Operating Segments [Member] | Consumer [Member] | Personal trust revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0  
Operating Segments [Member] | Consumer [Member] | Corporate trust revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0  
Operating Segments [Member] | Consumer [Member] | Institutional trust & retirement plan services revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0  
Operating Segments [Member] | Consumer [Member] | Investment management services and other [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0  
Operating Segments [Member] | Consumer [Member] | Deposit service charges and fees [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 64,867 65,210  
Operating Segments [Member] | Consumer [Member] | Commercial account service charge revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 1,713 1,445  
Operating Segments [Member] | Consumer [Member] | Overdraft fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 35,134 36,177  
Operating Segments [Member] | Consumer [Member] | Check card fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 21,865 20,967  
Operating Segments [Member] | Consumer [Member] | Automated service charge and other deposit fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 6,155 6,621  
Operating Segments [Member] | Consumer [Member] | Mortgage banking revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 109,416 99,670  
Operating Segments [Member] | Consumer [Member] | Mortgage production revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 42,724 31,690  
Operating Segments [Member] | Consumer [Member] | Mortgage servicing revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 66,692 67,980  
Operating Segments [Member] | Consumer [Member] | Other revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 9,733 9,218  
Operating Segments [Member] | Wealth Management [Member] | Fees and commissions revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 341,333 296,465  
Operating Segments [Member] | Wealth Management [Member] | Brokerage and trading revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 136,801 86,253  
Operating Segments [Member] | Wealth Management [Member] | Trading Revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 88,558 28,077  
Operating Segments [Member] | Wealth Management [Member] | Customer hedging revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 9,667 27,512  
Operating Segments [Member] | Wealth Management [Member] | Retail brokerage revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 16,251 19,030  
Operating Segments [Member] | Wealth Management [Member] | Insurance brokerage revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 10,131 0  
Operating Segments [Member] | Wealth Management [Member] | Investment banking revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 12,194 11,634  
Operating Segments [Member] | Wealth Management [Member] | Transaction card revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue (50) (82)  
Operating Segments [Member] | Wealth Management [Member] | TransFund EFT network revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue (82) (82)  
Operating Segments [Member] | Wealth Management [Member] | Merchant services revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0  
Operating Segments [Member] | Wealth Management [Member] | Corporate card revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 32 0  
Operating Segments [Member] | Wealth Management [Member] | Fiduciary and asset management revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 175,475 183,260  
Operating Segments [Member] | Wealth Management [Member] | Personal trust revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 81,763 96,839  
Operating Segments [Member] | Wealth Management [Member] | Corporate trust revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 24,635 22,292  
Operating Segments [Member] | Wealth Management [Member] | Institutional trust & retirement plan services revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 44,352 44,400  
Operating Segments [Member] | Wealth Management [Member] | Investment management services and other [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 24,725 19,729  
Operating Segments [Member] | Wealth Management [Member] | Deposit service charges and fees [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 2,443 2,527  
Operating Segments [Member] | Wealth Management [Member] | Commercial account service charge revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 2,137 2,331  
Operating Segments [Member] | Wealth Management [Member] | Overdraft fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 138 134  
Operating Segments [Member] | Wealth Management [Member] | Check card fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0  
Operating Segments [Member] | Wealth Management [Member] | Automated service charge and other deposit fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 168 62  
Operating Segments [Member] | Wealth Management [Member] | Mortgage banking revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0  
Operating Segments [Member] | Wealth Management [Member] | Mortgage production revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0  
Operating Segments [Member] | Wealth Management [Member] | Mortgage servicing revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0  
Operating Segments [Member] | Wealth Management [Member] | Other revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 26,664 24,507  
Funds Management and Other [Member] | Fees and commissions revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 4,205 6,588  
Funds Management and Other [Member] | Brokerage and trading revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 4,467 6,694  
Funds Management and Other [Member] | Trading Revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0  
Funds Management and Other [Member] | Customer hedging revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 852 3,574  
Funds Management and Other [Member] | Retail brokerage revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue (115) (1,078)  
Funds Management and Other [Member] | Insurance brokerage revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 3,730 4,198  
Funds Management and Other [Member] | Investment banking revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0  
Funds Management and Other [Member] | Transaction card revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 128 85  
Funds Management and Other [Member] | TransFund EFT network revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 3 6  
Funds Management and Other [Member] | Merchant services revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 123 79  
Funds Management and Other [Member] | Corporate card revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 2 0  
Funds Management and Other [Member] | Fiduciary and asset management revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 1,550 1,443  
Funds Management and Other [Member] | Personal trust revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0  
Funds Management and Other [Member] | Corporate trust revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 0  
Funds Management and Other [Member] | Institutional trust & retirement plan services revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 0 76  
Funds Management and Other [Member] | Investment management services and other [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 1,550 1,367  
Funds Management and Other [Member] | Deposit service charges and fees [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 1,788 1,833  
Funds Management and Other [Member] | Commercial account service charge revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 1,804 1,565  
Funds Management and Other [Member] | Overdraft fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue (229) (145)  
Funds Management and Other [Member] | Check card fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 165 339  
Funds Management and Other [Member] | Automated service charge and other deposit fee revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue 48 74  
Funds Management and Other [Member] | Mortgage banking revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue (1,875) (1,883)  
Funds Management and Other [Member] | Mortgage production revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue (4) 0  
Funds Management and Other [Member] | Mortgage servicing revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue (1,871) (1,883)  
Funds Management and Other [Member] | Other revenue [Member]      
Disaggregation of Revenue [Line Items]      
Fess and commissions revenue $ (1,853) $ (1,584)  
[1]
Out of scope revenue generally relates to financial instruments or contractual rights and obligations within the scope of other applicable accounting guidance.
[2]
In scope revenue represents revenue subject to FASB ASC Topic 606, Revenue from Contracts with Customers.