Andrew, welcome back. Thank you, becky. It is now official, weve been talking about it for weeks if not months, but bnp paribas has pleaded guilty to charges and paid ads 9 billion fine to resolve violations. 9 billion i think is the most any bank has ever paid in a case like this. The bank is banned for a year from conducting certain dollar transactions. Thats key and its important because its a key part of bnps International Business and will cost them and hit their bottom line. Fbi director jim comey yesterday with a message to all shareholders, not just those with a stake in bnp. The 9 billion thats walking out the door today is your money. We do these cases over and over again and shareholders money walks out the door. Until shareholders demand from their boards that those boards choose leaders who understand what it means to create a healthy culture of compliance, the money will keep walking out the door, well have to keep doing this work. And the penalties against bnp are signif