Greg Seward - Chief Risk Officer and General Counsel James Mahan - Chairman and Chief Executive Officer William Losch - Chief Financial Officer Huntley Garriott - President Steve Smits - Chief Credit Officer Operator Greg Seward I will now turn the call over to James Mahan, our Chairman and Chief Executive Officer. Moving to the next slide, Michael, before we unpack the provision, in our last quarterly call, we talked about some very famous folks predicting a recession. So are the last two substantial incre ...