I believe that the most important things that a company can focus on are its strategy and its culture. I also think that if you had to pick between the two, that culture trumps strategy every time. I think that because if you have a great culture, your people will develop a strategy that will win. But if you don’t have a good culture, even a winning strategy will not be useful. I believe that culture is the most important part of any organization. I believe that culture is what motivates. I believe that most people in most corporations in the United States are unhappy. That most people in most corporations in the United States. And this isn't just a belief. There have been studies done that would suggest that this is the case. They devoted half of their brain to their job and the other half to thinking about how nice it would be if they work someplace else. And eventually, that opportunity comes. I think it's possible to have a culture that is both happy, meaning it's a nice place for people to work; and productive, it generates the kinds of returns that shareholders appreciate; and effective, it makes clients happy. And that's what we focus on here. And I'd like to try to describe briefly our culture, the keys to our culture. The first one is whom we try to hire and whom we try to keep. The approach to that is three-fold. One is we try to hire intelligent people. I truly believe that Silicon Valley Bank is like woe be gone, all above average. That's Silicon Valley Bank. Number two is we try to hire as diverse set of people as we possibly can. The idea is if you have smart people and people with a wide range of experience, you've got a lot going for you. So we have over 50 first languages at Silicon Valley Bank. There are only 1,200 people. We got over 50 first languages. More than half the people at Silicon Valley Bank didn't ever work in a bank before coming to us. One of our most productive lenders by way of example is a concierge at the Four Seas...