 Rich Thomas joining us in just a moment. At Guardian Credit Union, we believe that banking should be personal, just like the relationships we build with members. Imagine a place where you're not just a credit score, but a valued part of our community. At Guardian, our dedicated team takes the time to listen, understand, and tailor financial solutions that fit your unique needs. From buying a car to saving for college and even starting a small business, we've got you covered. Come experience the Guardian differences.