I think it's also important that Jane has taken on the transformation work and working on the GAAP analysis and other related things to the consent order as part of that. Yeah. Het zelflerende AutoScout24-algoritme berekent de gemiddelde verkoopprijs, de marktwaarde, voor elk voertuig. On the -- on the second point around school assessment. We talked about from the client/customer perspective, the business process in terms of the way we aggregate data, the way that we kind of move risk and controls through the firm in a more automated way we think gives us the ability not just to improve the process, but we do think that, over time, it will have a return in terms of the benefits and costs that are associated with those, both directly and indirectly. And it looks like that, generally speaking, there hasn't been much movement in terms of RWA divergence and was hoping you could speak to whether the impact from recent events is fully reflected in that number or whether we could see further upward pressure in the fourth quarter.
And I'm looking forward to Mike hitting the ground running. And given the lifetime nature of the CECL methodology and the conservative nature of our management adjustment, it is now more likely than not that we'll see reserve releases and our ACL come down in 2021 to offset future losses as we continue to progress through the crisis, assuming our base case holds. Our allowance of $20.5 billion was stable from the second quarter, reflecting an improving economic environment and solid credit performance in the third quarter but with continued uncertainty due to COVID-19. As of quarter-end, our overall funded reserve ratio was 1.8%, including 5.7% on the non-investment-grade portion. Thanks Sally. So as opposed to simply addressing specific issues, solving holistic problems, I think there's an operational component behind this in terms of making sure that around things like data and technology to make sure that we're driving the proper automation, the elimination of manual touchpoints and other things that we've spoken about. We also believe that we have significant opportunity to take targeted actions that are focused on improving the experience for our customers, clients, communities, and employees. Turning to Page 3. Firstly, say thank you John for all the hard work and all the best for what comes next. So, let us talk about what worked, what did not work, what could have worked out better, and what is likely to do well going forward.
But I think the right thing at this point is to give you a much clearer guidance on next quarter's call after we finish our budget work and after Mike gets to review the work himself. This has the potential, it's early stages, but it has the potential to disrupt and transform the online program management industry as we know it today. We ended the quarter with a strong capital liquidity position. I'll be back to say a little bit more about that in a moment, but first, let's hear from Sally. I think what's surprising the market today is the base upon which we're thinking about potential future gross reductions was a little bit higher than expected. This includes reducing bureaucracy, simplifying our products, processes and our organization, reducing redundancy and manual work, and migrating customers and employees to digital solutions.
Morning, Mike. And second, what kind of impact has the Fed having on keeping the yields down in this market with their active buying, which -- actively buying the mortgage-backed securities? That's helpful. And as I say, I think we should gain back more of -- the rest of that point or so over the next six months to 12 months. To give a quick example, in some of the consulting spend that we do that is meant to help scope out end-state vision for a key process, for example, we'd likely book that in corporate/other. OK. And then the last thing just for Charlie.
Total credit costs of $838 million were up meaningfully from last year, although down significantly on a sequential basis. Was there a misread of regulatory expectations? So I think you'll -- I think this was natural behavior by middle-class parents, which is sort the kids out first, get greater clarity about my own employment status. We've been there from day one every day for our customers, our learners and our communities. And so I think in the consumer and small business space, the opportunities are significant. Turning to noninterest revenues. OK. No. WIM deposit costs in the third quarter were in the single digits and have declined over 50 basis points from a year ago. That isn't going away.
lowest for the region in any quarter since Q4 2015. But I don't have any more clarity for you right now. Is it better deposit, core deposits that can bring down your cost of funds? And if you kind of look at throughout the firm, whether it's the pay structure, employees and, in particular, more highly paid employees getting paid significantly in stock or stock-related type of instruments of the different programs and scorecards being very linked to how we perform and the things that, hopefully, over time, drive share performance. The first nine months of 2020, our net interest income was $30.6 billion. Er is geen Facebook-account verbonden aan de website, schrijf u in. Hi, good morning. Thanks. And progress is a combination of taking actions on the gross side but also showing you something on the net side. A3 I think I'm right on placement to say that it's down a little bit this year because of the fact that for the reasons that you implied, because obviously the K-12 publishing business has been very badly hit as you've probably seen from the results of other companies, but actually AP held up relatively well. So where is the sense of urgency?
We expect that premium amortization to continue right into next year.
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