Thank you. Thank you so much. Good afternoon. It is great to be here. Professor Borgen, thank you so much for that most gracious introduction. It’s a real honor and pleasure to be in the city of Newark. I just want to take a brief moment to acknowledge Seton Hall for opening up its doors. I want to thank Provost Passerini and Interim Dean Cornwall for hosting so graciously. I also want to extend my gratitude to my law enforcement partners: U.S. Attorney Sellinger, Director Chopra and General Platkin. We stand before you today as a united front, a united front in our efforts to advance the cause of justice here in New Jersey and across our country. We also have a number of staff from the Civil Rights Division of the Justice Department, the U.S. Attorney’s Office, the Consumer Financial Protection Bureau and the New Jersey Attorney General’s office today. I want to ask the staff who are with us if you’d raise your hand. Thank you for your leadership. But I also point them out because we are here to listen and to get to work. We know that we have problems that need to be solved, and so for the folks who are here with issues and concerns, as soon as this program ends, I want you to turn to one of the staff here today. We are here to serve you. We are here to serve you.