 Hope everybody's safe. Had a great time with family, friends, and loved ones and all that good stuff like that. Good old red, white, and blue. And I also have on the line, he is somewhere in an undisclosed Mr. location, Mr. Terry Kernan. Are you there, Terry, from Presidential Bank Mortgage? I am. I am. Can you hear me okay? Yes, I can hear you pretty good here. How are you today?