Ryan Lynch Operator Thank you. [Operator Instructions] Our next question today comes from the line of Ryan Lynch from KBW. Please go ahead, Ryan. Your line is now open. Ryan Lynch Hey, good morning. First question, I had is in your comments here, you talked about conducting a thorough review of your entire portfolio every quarter to kind of stay ahead of any potential issues. I would just love to get some more details on what that portfolio review sort of entails from your end. Phil Tseng Yes, thanks for th ...