I work together with Joe Hall on our U.S. small and mid-cap strategy team within BofA Global Research. Our analysts cover nearly 1,000 small and mid-caps in the U.S. and Joe and I have also been expecting continued leadership from SMID Cap in the back half of this year. So please feel free to reach out if you need the schedule or want to sign up for any additional sessions today or tomorrow. We have nearly 20 companies joining or if we can help sign you up for either our small mid-cap strategy research or our daily compilation of SMID Cap fundamental research. But with that, I'd like to pass it over to Mihir Bhatia, our consumer finance analyst, to introduce Upstart Holdings.