...Unidentified Participant I am here with Fifth Third. Just a brief introduction to them before we start. They're headquartered in Cincinnati, Ohio, about a $200 million asset institution, three principal segments: commercial banking, consumer and small business, and wealth and asset management. Very strong profitability metrics, so about an 18% ROTCE and a 1.25% ROA, noninterest-bearing make up 25% of total deposits, very attractive. And valuation of 10.5 times next year's earnings. And with me today, I have to my immediate right, Bryan Preston, who is Executive Vice President and Chief Financial Officer. Brian is responsible for many functions, including FP&A, corporate development, accounting, and tax. He was named CFO in January of 2024 after serving four years as Treasurer. He was previously CFO of Consumer Payments and Strategy. He served many roles at Fifth Third since 2003, and he started his career at E&Y. Jamie Leonard is Chief Operating Officer. He's responsible for many areas...