Wells Fargo CEO Says We're Not As Efficient As We Should Be Without The Benefits Of AI; We Continue To Believe That We Can Find Increased Investment In Technology, Marketing, Bankers; AI Is Extremely Significant For Headcount; We Do Expect To Have Less People, Have More Severance In Q4; We Are Going To Buy Stock Back As We've Been Doing; Says Bought About $5B Back In Stock This Quarter; We Want To Consistently Grow The Dividend; We See No Pressure To Do Any Acquisitions