...Unidentified Analyst All right. So last time I opened with the fact, this one will be a disturbing fact. Did you know that M&T's provision for taxes in the third quarter of '21 was $162 million. They have a market cap of $21 billion. [Square] has a market cap of $117 billion and the Street estimates for their entire tax expense for 2022 is $46 million. So one of the valuation is wrong. But thank you very much for M&T for attending the conference again. We really appreciate it. Before we start, we just wanted to highlight Don MacLeod is his last fab. He's been a great friend over the years. And you're always welcome to come back, you can negotiate the fee with Gerard. And then -- but yes, I'd like to start. So M&T is a top 20 bank in the country, $152 billion of assets -- in assets. The -- I was joking before, this was once Warren Buffetts Bank and now it's [Boston and zone]. Representing M&T today are Rene Jones, CEO. Rene has been with the bank since 1992. He was appointed CEO in the end...