Why don't we start off with uh kind of the big metric for every bank. It's net interest margin. You actually grew it by 26 basis points year-over-year.What was the catalyst. What uh led to that growth. >> Really a couple of things.One is uh we have a an increasing um tailwind in terms of the expansion of uh loan yields. Um our our backbook is repricing up uh given where we're pricing loans today. And also deposit uh deposit costs are stable.So over time uh if uh the rate environment stays stable, we expect ...