Believe it or not, this was necessary. I'm delighted to share with you that for the fourth year in a row, And we couldn't be more thrilled to be amongst the top three winners that include Alliant, American Airlines. Among the reasons gave for choosing us for this honor were our expansive network, our competitive products, and modern technologies like our mobile app. Please take a moment to read about our award here: Know that these wins, and what they represent (offering the very best digital services to our members), drive us and we will continue to look for ways to improve our experiences, offer new products and services, and add value to you each and every day. Speaking of value: April is Literacy Month, an opportunity to for you to review and gradually improve.