With the very unique environment unfolding at my house, we have an equally if not more unique environment happening at your bank. The pandemic has changed our lives, and the lives of our employees and customers, more than anything that I've ever experienced. And I've been in a war. It's just different. I feel like we remain quarantined, and many of your colleagues and those listening to my voice right now are doing so from home. What changes are permanent, and what will revert back to the way it was? It mostly depends on us.
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