Question-and-Answer SessionSo maybe just to get us started, background on nCino. How do you serve financial institutions? What are the key value propositions of the nCino platform?Gregory D. OrensteinCFO & Treasurer We focus on 4 main things, right? Lending, any type of lending, whether it's commercial, consumer, small business or mortgage; account opening; onboarding of customers; and then portfolio monitoring. And we do that all on a platform, a single unique platform across the financial institution. Sa ...