... Next up we have First Horizon Corporation. The bank first opened for business in Memphis back in 1864. Today, First Horizon operates in 12 states across the Southern US, with assets of $83 billion and 415 branches. The company offers commercial, private banking, consumer wealth, fixed income, and mortgage banking. We'll definitely be talking about those products later. Just looking back at last quarter, FHN generated an adjusted ROTCE of 13.2%, and efficiency ratio of 15.9%, and tangible book value increased $0.81 to $13.02. With us from First Horizon today are Hope Dmuchowski, Senior Executive Vice President and Chief Financial Officer. She has over 20 years of experience in banking and is responsible for accounting, finance, financial planning line of business, line of business finance, corporate development, and Investor Relations. And then to her right is Tammy LoCascio, Senior Executive Vice President, Chief Operating Officer. Tammy...