We believe we've only scratched the surface in our long-term cross-sell and goals and objectives. New products and features within our universal digital banking platform such as single sign-on for Axos Invest, for Axos trading and consumer banking will provide incremental value to our customers, lower acquisition cost, improve retention and add additional sources of fee income and deposits for the company. We believe many of the changes in consumer behavior over the past years are structural and the vast majority of business and consumer clients will permanently migrate their entire financial lives to digital interactions. Our focus is on acquiring customers that value convenience and service and are willing to do more with Axos over time. Our low-cost nationwide digital platform provides us with the flexibility and agility to mind data and offer consumers the best value to those looking for a superior solution.