To deliver long-term and consistent value for our shareholders and our communities by putting clients first and executing with excellence. The numbers you see are the results of our leadership team executing superbly on our unique strategy of single point of contact banking, with the strongest risk management principles. Before we dive into the quarter, I'd like to take a moment to welcome Janet Lee and the TD Cowen team to coverage of Customers Bancorp. It's terrific to have you and Steve following our sto ...