...A. Western Alliance is an $83 billion bank headquartered in Phoenix, that has undergone a deliberate business transformation since 2010. B. Over the last year, loans have increased almost $4 billion and deposit growth an impressive $18.8 billion and about 1/3 of deposits today are noninterest bearing. C. And you can see our margin was essentially flat, down 2 basis points from 3.63% to 3.61% from the second quarter to the third. D. We have basically $2.5 billion worth of 5% of our loans are commercial real estate office, and that's -- we've had one issue that has been in there, and that's been stabilized. E. We're at 20 basis points of losses now, which is, again, I think, lower than the average in the industry. F. So you can see on the second line there, what our growth has been in billions per quarter. G. And we've been targeting about $1 billion per quarter based on our guidance of $2 billion in deposit growth per quarter, and it's a fraction of that. H. But really, what we've been doing...
