 Well, as we increasingly transact online and spend time on social networks and apps, it's important to learn more about the best practices for safe money transfers and ways to avoid the latest digital scams. Joining us today with advice on how to recognize common scams targeting consumers during the summer months is Ben Chance, Chief Fraud Risk Management Officer at Early Warning. The network operator of Zelle is with us now. Ben, thanks for joining us. How are we doing? I'm doing well. Thanks for having me today.