I want to talk about strategy now and I’m going to begin with a history of our strategy. There are all sorts of ways to describe history and I'm going to take a particular cut. I want to describe history in terms of what we do with excess deposits. Now, that may sound bizarre to you because you probably haven't spent that much time thinking about excess deposits lately. But if you're me, this is a big concern because technology companies in the aggregate, as a group deposit about seven times with a borrow. This has been true for all my 25 years of working with them. So the problem from a commercial banking point of view is maybe you don't know how commercial banks work because most people don't spend that much time thinking about it. But it works like this. We have depositors and we have borrowers, and so we take deposits from people and then we take that money and we lend it to other people. Now, for some of you, that may seem pretty obvious. For others of you, that may be sort of a great insight. Because when you drop your money off the bank, I'm not sure you know what they do with it. They actually take it and they lend it to somebody else. And that's what we do. What's interesting about our bank is we work with venture-backed technology companies. They deposit as a group. Not individually, but as a group. They deposit seven times as much as they borrow. So can you imagine what a joy that is? As every other bank is looking for deposits, they're dying to get their hands on deposits, we got tons of them. Can you imagine what a problem that is because you've got to do something with them. You can't just sit on them. You've got to figure out what to do with them. Because if you just let them sit there, they're a gigantic drag on your ROE and ROA. And so you got to figure out what to do with them. And in some sense, the history of the strategy or the evolution of the strategy at Silicon Valley Bank is the history of three successive management teams, t...