Good morning, everyone. Welcome to the Q3 call. As always, I turn your attention to the disclosures regarding our presentation that are available for your review in the 8-K. With that, I'll assume everybody has had a chance to look at those, understands them. In the Q3 here, as I noted in the press release, we've made very good progress on several fronts. There's still a lot of noise. I mean, we recognize that obviously. With all of that, we're managing a small profit. Notably in the quarter, credit continues to improve. On the commercial side, for the first time in my tenure, there were no delinquencies and no NPAs in any of the commercial portfolio. That was helped in large measure by our sale of $22 million worth of weaker commercial real estate credits. We saw a nice decline in the residential nonaccruals and delinquencies through both payoffs and some reinstatements. The margin improved to 3.19% during the quarter, helped, obviously by higher interest rates that are in the market and our fairly liquid portfolio. Additionally, we had some interest recoveries from loans that paid off in the quarter. Prospectively, I think it's fair to say liabilities will continue to reprice upwardly. The idle funds from the past several years are. N ow customers are looking for higher returns and better opportunities. I think both Sterling and virtually all of the industry will experience, continued increases in liability costs as interest rates continue to move up fairly aggressively and fairly quickly. Obviously, I think everybody knows we signed a consent order with the OCC right at the end of September. In that consent order, we agreed to a $6 million civil money penalty that was assessed by the OCC for prior bad acts in the old Advantage Loan Program. Simultaneously, the OCC released the bank from the formal agreement in recognition of the significant improvement we have made in the past two years in addressing a very significant level of very severe findings and many violations of law. Both of those, obviously one a little more painful than the other, but both of them are, major accomplishments in a relatively short period of time as regulatory enforcement matters go. Then finally, the courts approved the settlement of the derivative shareholder action, and that is now done. The only remaining outstanding issue for us is the Justice Department and SEC. As I've stated, I think on every call, we have very little visibility into the timing of the final resolution. We continue to work aggressively and have, regular conferences with the DOJ. Obviously we're pushing that as quickly as we possibly can, but it's not something we have very much control over and certainly very limited feedback. I can't provide any estimate of timing or cost. We're just hopeful it wraps up in the next few months and we can put that behind us and then that for the institution, Sterling institution, that'll resolve many issues that have been dogging us for quite a long time. Individual actions will continue into the foreseeable future, notwithstanding how the bank settles out. That's kind of the condition of things in the Q3. I think for most of us, the year went very quickly. We're now in the final stretches of 2022. I think in the two years, I'd say an awful lot was accomplished that really aren't visible to most people. We did a complete transformation of the IT platform, of the CSA and AML platform, of the risk platform. Obviously of the credit acceptance and credit management. We obviously have been paying the price, in expenses for legal and professional fees to get to this point. That's another reason the sooner it's resolved, the happier we'll all be. With that operator, we can take some questions and go to that. Hey, guys. It's actually, Justin Crowley filling in for Nick this morning. Oh, good morning, Justin. I wanted to start with expenses. Just given the resolution with the OCC that you'd alluded to, and that's been disclosed, can you share with us how you're thinking about that reduction in professional fees that we saw? To the extent you can maybe quantify your expectations for a near-term run rate, just more broadly on expenses. That, Justin, is a real challenge. I hear you. The timing, of course, impacts that dramatically. The longer it goes on, the more we'll spend. If the end of the OCC investigation, plus the conclusion of the formal agreement, will help reduce the expenses we had and that civil process. Then as soon as the DOJ is done, obviously, there'll undoubtedly be a penalty associated with that. We don't know what it's going to be, not even a clue. We'll continue to have some legal and professional expenses with respect to that. I'd be reluctant to put a number on it or a percentage other than we're doing our best to make it conclude as quickly as possible. Sure. Fair enough. I hear you. It seems like every time I think they're gonna go down, they go down for a quarter or two, and then the next quarter they're up. M ore often wrong than right on my estimates there. Got it. Yeah. Pretty hazy crystal ball. I totally understand. I guess moving on. You noted in the release. You spoke a little bit on it earlier. The variable rate sub-debt contributing in part to the upward move in liability costs that you referenced. I just wonder, given this real strong capital position, is there any potential to pay this down just to alleviate some of the funding pressures, that you guys know and that are certainly, impacting kinda everybody in this environment? I would do it in a heartbeat if I were able. The liquidity at the holding company is different than the liquidity at the bank. I can't get that much money or up to the holding company or even, a fraction of it at this point in time. Obviously the sooner I can, the better. It is particularly painful right now. Sure. I guess I don't wanna put words in your mouth, but in the near term, unlikely by the sounds of it. I would say in the near term, unlikely. Yes. Okay. Just one last one for me. Can you just remind us how much remains in the mortgage repurchase liability allowance? where you stand with respect to future or further purchases. I can tell you that the balance of the loans sold to others has dropped dramatically with our purchase of $35 million in the quarter. Keep in mind, when I joined the bank, I think it was around $800 million. I'll let Karen speak to the reserve and what's outstanding. Sure. In terms of Advantage Loan Program loans, there's only $45 million left outstanding. We don't expect that we will be repurchasing those loans, although we still have an agreement where one of the investors could still request that we do so. To that end, we still have a modest just over half a million dollars reserved in case they do pull the trigger on that agreement. Then we just have a small amount for our agency loans that's insignificant. Okay, perfect. That's super helpful. I will leave it there, guys. Thanks so much for taking my questions. Sure. Thanks, Justin. Well, you made it very easy on us today, so hopefully we answered all your questions in the press release and in the opening remarks. I just assure you that we continue to push forward and move to successful resolution of all the remaining issues that we've had to deal with. W e never obviously forget the interest of our public shareholders and all of the stakeholders in the ultimate success of Sterling. With that, enjoy your Halloween, and we'll look forward to talking to you at the year-end call. Thank you.