...Good morning, everyone. This is Gerard Cassidy with RBC Capital Markets. Welcome back to the financial institutions conference for 2022. We're very pleased to have Wells Fargo participating in our conference this year. As most of you know, Wells is the fourth largest bank in our country, just under $2 trillion in total assets. The company's market cap is -- and we were -- Saul and I were just talking about how the stocks are doing before the start of this fireside chat. And the market cap of $180 billion was as of yesterday so it's a little higher today. The stock trades at a small premium to book, about 1.1x book. And it has a dividend yield of about 2.6%. Saul Van Beurden has been with the bank now since 2019. He heads up the technology area of Wells Fargo. He's a member of the operating committee at Wells Fargo and has responsibilities of managing 40,000 information technology and security professionals to keep Wells Fargo, obviously, safe and running in their daily business. Prior to...
