Okay, I think we're ready to start. It's my pleasure today to welcome Wells Fargo to BAB. Very excited to have you and have the opportunity to learn more about what's going on in the consumer business. Wells Fargo is one of the top three banks in the country, 1.9 trillion in assets, and branches across the country, nearly 4,500 branches. So we're very excited today to be able to host Kleber Santos. Kleber is the CEO of Consumer Lending and a member of the operating committee at Wells Fargo. He's been at the ...