 with us today, and I'm the vice chairman of that committee and proud to do so as well. So it's a really, really big deal to have you with us today, Ms. Lewis. And so with that, we welcome the testimony of the Honorable Rita Jo Lewis. Ms. Lewis is the president and chair of the board of directors of XM Bank. The ranking member did a great job of giving us an overview of your past and present accomplishments and your academic record. And so with that, we thank you for taking time to be here. You'll be recognized for five minutes to give an oral presentation or testimony.