The Kansas Bankers' Business and Its Competitors

Richard Tomkins: I'm Richard Tomkins from Gallatin, Tennessee. Could both of y'all discuss the Kansas bankers' business and its competitors? How big of a moat Kansas bankers has in the industry? And if they're going to expand outside of the 22 or 20 states that they're currently in? That's a... Then secondly, just clue us in a little bit more on the five-year discount notes that you did that were tied to the Solomon stock.