...Alright, 35 minutes doesn't seem like a lot, and Vince says let's keep it moving along. So I'm going to give you something between my 7-minute world record due diligence calls and clip it along for Vince. I am very fortunate, I've been at the Company for almost 13 years now, I've been the Treasurer for 11 years. I'm Jennifer Sandefur if you don't know me. I feel like I know most people in the room. And this story is just phenomenal and it has been a consistent story of phenomenal growth, strategic modeling of a company as we try to build a better mousetrap here around mortgages in the United States. And so you're going to see the results of that. And I've seen this company go from 4000 employees to almost 60,000 employees and it has just been a tremendous privilege for me, and so hopefully I can convey some of that enthusiasm for you. A little housekeeping. My colleagues -- Vince Breitenbach, Managing Director of Treasury Finance and Chris Oltmann, who works in the investor relations department...
