Good morning. First question's just -- or a couple of questions around the margin, just trying to drill into the drivers and more specifically the numbers. But can you give us the average margin in the month of June and what the spot rate was at the end of June on deposits, either interest-bearing or total? I think there's a broader point here, I would just make quickly if I could, Matt, which is, we've really tried hard not to impact the valuation capability of the businesses here, we've postponed some thi ...