In this discussion, Keith Rofrano, head of the middle market solutions group for CIBC US and Wendy Holder, head of the Dallas commercial market at CIBC US, provide a comprehensive overview of the current economic environment, highlighting stable fundamentals such as strong GDP growth, rising real wages, and manageable inflation, while acknowledging ongoing geopolitical risks and cautious optimism among clients. 

The conversation details the pitfalls of complacency, benefits of having a robust risk management plan and various considerations of how companies should use debt.