...Unidentified Analyst Perfect. Good afternoon. We are very happy to have $4 billion market cap Synovus Financial join us this year at the conference. Synovus traces its roots back to 1888 in the textile industry and is headquartered 100 miles south of Atlanta with market presence throughout the Southeast. Synovus' stock currently trades at just- tangible book value and just- 7x '24 earnings. Importantly, Synovus of today is drastically different than the Synovus heading into the GFC. Today, being the Day of the Dead, I believe that you will all agree that Synovus will be planting flowers at the banks that recently failed rather than being the recipient itself of such floral arrangements. Representing the company are CEO, Kevin Blair; and CFO, Jamie Gregory. Kevin joined Synovus in August 2016, and became President and CEO in April of 2021. Jamie joined- Synovus- in June of 2019, previously spent a decade at Regions Financial. Thanks again for coming. And we're going to -- the format will...