...Good morning, everyone, and welcome to the 31st Annual Shareholders Meeting of Northwest Bancshares Inc. Joining me today are Louis Torchio, President and CEO; Douglas Schosser, Chief Financial Officer, and Rich Laws, Chief Counsel and Corporate Secretary. I first would like to introduce the other members of our Board of Directors as well as several guests who are joining us virtually. Our Board of Directors, Robert Campana, Deborah Chadsey, Wilbur Davis, Timothy Hunter, John Meegan, Mark Paup, David Tullio, Pablo Vegas, and Amber Williams. I would also like to extend congratulations to my good friend and colleague Tim Hunter, our incoming Chairman of the Board of Northwest Bancshares and Northwest Bank. Tim's a former Chairman of the Bank Compensation Committee and has spent the last two years as Vice Chairman of the Board. He's highly qualified and well prepared, and both Boards will be well served by Tim's leadership in the upcoming years. Also joining us are representatives from our...