will take questions from our audience. you've heard their stories and now let's see what kind of questions they've got. [applause]. have a few bills with interest rates that make you go like this? come talk to regions about a personal loan to consolidate your higher interest debt into one lower monthly payment. it could mean you go from this to this. in here, great food demands a great presentation. so at&t showed corporate caterers how to beer collaborate by using a mobile solution, in a whole new way. using real-time photo sharing abilities, they can create and maintain high standards, from kitchen to table. this technology allows us to collaborate with r drivers to make a better experience for our customers.