Maintain current USB exposure at $63.94; the structural uptrend (200 SMA rising to $54.31, price +17.7% above it, expanding NIM, CET1 at 11–12%) argues against trimming, but the tactical setup at the upper Bollinger Band ($64.85) on 2.35M shares with a MACD histogram negative for three weeks argues against initiating here. Adopt a refined scale-in framework: 33% starter at $62.50 with momentum confirmation (MACD positive cross or RSI holds >50), with the remaining 67% reserved for either a deeper pullback to $60–$61 or a confirmed breakout close >$65 on volume >4M.