 We have Larry Ryan, president of Nurion. Kelly Munson is the president and CEO of AmeriHealth Caritas. Leslie Richards, general manager and CEO of SEPTA. And Kelly Botti is the president and CEO of TrueMark Financial Credit Union. Let's get to our first guest, Larry Ryan, president of Nurion. Larry, what is Nurion? What are you guys doing? We're a specialty chemicals company. We have roughly 8,000 employees. We operate in 80 countries.