Okay, that produces feeling. Great, many thanks quite definitely.
John C. Asbury — President and Chief Executive Officer
William P. Cimino — Senior Vice President and Director of Investor Relations
And Carl, we are prepared for the caller that is next.
Your next concern arises from the type of William Wallace from Raymond James. The line happens to be available.
John C. Asbury — President and Ceo
Good early early morning, Wally. Just just exactly How will you be?
William Wallace — Raymond James — Analyst
Many thanks. Good early morning. Great, many thanks. Possibly simply following through to the final line of questioning on — just how can you anticipate your book to trend in 2020 as soon as you implement CECL? Whenever they be flat on our book to loan foundation or up or remain down, like we saw in ’19?
Robert Michael Gorman — Executive Vice President and Chief Financial Officer
Yes, well interestingly on that front side, Wally, we book day one impact as you know. We — once we’ve predicted will be about $95 million. So as to coming down primarily, due to the run-off within our customer consumer that is third-party where presumably that we have the life time losings embedded for the reason that time one projection.