...Equity analyst at Fidelity, and I'm here with Huntington Bancshares, a $25 billion market cap bank based in Ohio with over 1,000 branches now. So you've got a pretty big distribution. Zach Wasserman, Executive Vice President and Chief Financial Officer, will be here today. He's going to do a short presentation for us, and then we'll go into Q&A. Zach has been at Huntington since November of 2019. Prior to that, he was at Visa. You were, I think, the Chief Financial Officer of the Americas at Visa. And before that, you spent many years at American Express. Zachary Wasserman ...