Can you give our listeners just kind of maybe the CliffsNote version of OnPath's story? And how did M&A go from something you'd react to to an intentional part of your strategy?

Obviously, M&A has been around a long time.

When I started in the business, there was over 8,000 credit unions.

Today, I think it's like 4,300 and change.

After I got on board in 2020, we had a few issues we had to work through.

And once we got through those issues, We wanted to be intentional.

I had really only known mergers through the lens of somebody was failing.

So for both of you, how do you tell whether a deal delivered what it was supposed to? And with everything they've been through, what's one assumption about M&A that experience proved wrong?