[Music] And we are on our way. We are live at the Schwab Impact Conference here on Schwab Network. It's a pleasure to be here.We've had so many great guests and taking a look at the big picture. Happy to have two esteemed guests with me here today. Kathy Jones, chief fixed income strategist, Schwab Center for Financial Research and Mike Towns, managing director, legislative and regulatory affairs.Charles Schwab. Thank you both for being with us here today. We've had so many conversations in the past.Um toda ...