Good morning, and welcome to the 10th annual Community Banking Research Conference. I have attended this conference twice before, including the first one back in 2013, and I can attest to the quality of the research and discussions. While I am coming to you virtually today, many of you are gathering in person for the first time in three years. I am sure it will make an excellent event even more enjoyable. The Community Banking Research Conference brings together researchers, regulators, policymakers, and community bankers to discuss the unique and important role community banks play in our economy. The conference was ... (full story)