We appreciate Beth's leadership over the past six years and wish her much success in this new position.

Our broad revenue growth and expanding net interest margin indicate that the momentum we carried into this year is continuing to build.

I commend our employees for their outstanding efforts in implementing this program quickly and effectively. It is due to their hard work and dedication that we have an industry-leading compliance program.

We wanted to maintain control of our roster and control of our success. We think that certainly impacts our business. I don't know if there was a comfort level that that would be the same.

Over the past five months, I have worked closely with Travis and my colleagues in ensuring a smooth leadership transition.

Their leadership all year has been a key to our success thus far.