Well, firstly, forgive me that I'm in the car recording this. I am a proud papa of five children, young adults now, 18 to 25. My youngest just started her freshman year, two boys, three girls. I'm a long time financial services professional, mostly in the financial advising space with some major banks. The last decade or so, I've been focusing more on different types of insurance, life insurance, health insurance, ancillary products, things of that nature. I do have my property and casualty license as well, and I'm out here in New Jersey. Thank you.