...Good morning, everybody. Thanks for participating in the Jefferies Consumer Conference. We're virtual today, and hopefully, we'll all be back in Nantucket in shorts and t-shirts live at this event next year. But very pleased to introduce our next guest. We have OneMain Financial. With -- from OneMain, we have Micah Conrad, who's the CFO; and Jenny Osterhout who's the new Chief Strategy Officer. And we welcome her. This is Jenny's recent addition to OneMain, and we welcome Jenny to the conference for the first time here. So we're going to go and do a fireside chat here in a moment. But before we do so, I'll let first of all the audience know, you guys submit questions, and we'll probably save some time to get to those at the end of the discussion here. But before we go into the fireside chat, I just wanted to give a couple of quick highlights about our investment thesis and perspective on OneMain. First of all, we have a buy rating in a very high regard for the company, and I believe the...