Deseret Mutual Benefit Administrators

There is an affiliate entity with the church named Deseret Mutual Benefit Administrators and that we'll call it DMBA for now on. DMBA manages the benefits and the retirement and pensions of church affiliated employees. Spencer, you want to start off and take us through this first slide. By the way, Spencer, just to note that there are a lot of people who will not be watching this, so they won't be able to see the slides. So if you can keep that in mind when you're describing things, that it's got to be clear to people who can'tsee the slides.