...All right. Well, I think we're just about (inaudible). We'll get started here. Delighted to have Chris Gorman, CEO of KeyCorp. It's his first time at our Strategic Decisions Conference, but I've had the pleasure of meeting with Chris going back over a decade now and what led to build out the whole investment bank and more broadly [differentiated] corporate franchise. I mean more recently, as he focused the entire organization on the strategy, which I'm sure he'll articulate better, but I always think of it as the term targeted scale as really setting them apart. So Chris, thank you for being here to start. Maybe let's start at the top. You mentioned on the earnings call back in April 2023 was a reset year. You've been candid about some of the interest rate challenges. But it was also pretty notable, the shift to focusing on offense and that pivot and calling that pivot back in April....