Question-and-Answer SessionGregory D. OrensteinCFO & Treasurer You bet. Again, thanks for having us, and it's good to see everyone here today. nCino started back in late 2011, 2012. Actually, it was part of a bank based in Wilmington, North Carolina, where there was an opportunity to make the lending process more efficient. And ultimately, that software was spun out of the bank, and we took that really with the vision of building out a platform, a single or unique platform that goes across the bank to help ...