...Gerry Benson Good afternoon. I'm Gerry Benson with Fidelity Institutional Asset Management. Welcome to the last Zoom session of our inaugural and, hopefully, final virtual BAAB conference. Today, I have BJ Losch, CFO of First Verizon; and Anthony Restel, COO of First Horizon and former CFO of IBERIA; and Ellen Taylor, Investor Relations. This is the first time we've had BJ and Anthony presenting together, which follows a successful merger of First Horizon and IBERIA in July. As we've done with the majority of the presentations so far this year, we're going to do a fireside chat. And I want to remind listeners that they can submit questions for management to answer via the webcast. But first, before we get started, and I wanted to hand it over to BJ, who had some opening remarks. William C. Losch ...