Operator: Good day, and welcome to the Hope Bancorp 2025 Third Quarter Earnings Conference Call. [Operator Instructions] Please note this event is being recorded.

The Republican White House is open to a deal to extend the Biden-era expansion of the Affordable Care Act, so long as those ...

Net Income -- Net income totaled $31 million for 2025, up 28% year over year from $24 million in the same quarter last year.