 And a good afternoon. Welcome into Substation 2. Jerry wrote across from Winthrop for another edition of our Straight Talk program presented by Founders Federal Credit Union. Relax. You're with Founders. Our thanks to our co-sponsor today, Camporium, your friendly neighborhood tech giant. Piedmont Medical Center is with us today, a community built on care. And you can find out more about them online at piedmontmedicalcenter.com. Well, guess who is right here at the table with me today? And I did not get in trouble. He just happened to show up.