...Unidentified Participant Yeah. Thank you. And like all sessions, this is open for Q&A. So to the extent anyone has questions, put your hand up, we'll pass a microphone and get your questions addressed. I think intuitively, we all know, we all know the name Sallie Mae, but sometimes I think you have to explain to people what exactly Sallie Mae is and what they do or what you do. Can you just give us a 30,000-foot view of Sallie Mae? Jonathan Witter ...