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Harris Simmons; Chairman of the Board, Chief Executive Officer; Zions Bancorporation NA. R. Ryan Richards; Chief Financial Officer, Executive Vice President; Zions Bancorporation NA. Derek Steward; Executive Vice President, Chief Credit Officer; Zions Bancorporation NA. Scott Mclean; President, Chief Operating Officer, Director; Zions Bancorporation NA. Greetings and welcome to the Zions Bancorp Q1 2025 earnings conference call.  As a reminder, this conference is being recorded. It is now my pleasure to introduce Shannon Drage. Thank you, Shannon. You may begin.Thanks very much, Shannon, and good evening, everyone. We're generally pleased with our fundamental performance and the financial results for the first quarter, which reflects meaningful year-over-year improvement. 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