...All right. I think everybody knows Jenn, but just in case, been with Morgan -- sorry, Morgan -- been with JPMorgan for 29 years in many different fields. We all remember very finally the CFO slot when you were doing that. But now as Co-Head of the CCB, Co-CEO, I just want to turn to how that performance in your business line is going today. You're really crushing it in the ROE. And you've got this target of 25% plus ROE, and you've been well above that for the last 3 years. So I just wanted to kick off here by asking what's the biggest source of that outperformance today? And really, why not raise the target? Jennifer A. Piepszak ...