Good morning, everyone. Thank you to my Philadelphia Fed colleague, Ivy Washington, for that welcome and introduction. I must also acknowledge the efforts of one of my other colleagues from across the street, Robin Myers, for putting this program together. And I also wish to recognize Senior Vice President and Lending Officer Bill Spaniel, who will be moderating the discussion portion of this morning’s program. I’m also thankful for each of you for taking the time to join us here this morning, especially the morning after a Phillies playoff game. Now certainly, I can stand up here and speak, but that would only make ... (full story)