Next week we will be officially launching our newest deposit vertical, Bask Bank, a digital bank, that rewards savers with travel rewards. This deposit vertical functions both as a business and as a capability for Texas Capital Bank. As a business Bask Bank will allow our customers to earn airline miles from their savings accounts through our longtime partnership with American Airlines. As a capability, the buildout of Bask Bank and the digital platform has taught us new skills in digital marketing, digital acquisition and online customer experience that we will be able to leverage across our businesses as we continue to position the Bank to capitalize on the trend toward a digital banking future. Matt Quale leads this new vertical as President of Bask Bank. With his successful track record in financial services and extensive experience in strategy, brand management and marketing, we are confident Matt is the right individual to lead this exciting new initiative.