ConversationArtem NalivaykoVP and Head of FP&A and Investor Relations All right. Thank you, Dan. All right. Good morning, everyone. For those of you here in person and those joining us virtually, thank you for attending LendingClub's 2025 Investor Day. My name is Artem Nalivayko, and I'm the Head of Investor Relations here at Lending Club. We've got a great program lined up for you today and this is actually our first Investor Day since becoming a bank. So we have a lot to share. But we also want to hear fr ...