 My name is Cutler Dawson. I'm the president and CEO of Navy Federal Credit Union, and I'm a proud Navy veteran. My parents were both in the Navy during World War II. They were both officers. My dad was a pilot, and my mom was a wave, and they thought it would be a tremendous idea for my brother and I to go to the Naval Academy, and we did. My career in the Navy was pretty simple. I graduated from the Naval Academy in 1970. I was a surface warfare officer. I spent a lot of time underway on ships, and then when I wasn't underway, when I was on shore duty, I was assigned in Washington, D.C. It was a pretty simple equation for me, and I loved every moment of it. My service in the Navy taught me lessons that I've carried with me, and that I will carry with me forever. Running a credit union is about risk management. Operating in the Navy is about risk management. It's something that all of us do every day while we're in the service, evaluating what the mission is and what the risks are to get us to that goal of successful completion. It is no different in business. Just different risks and different rewards. I would tell any serviceman, any sailor in the Navy, whether they're on their first enlistment or they're retiring, that when you get out of the Navy, the leadership lessons that you've learned will stand you in great stead. The time that you've had in the service are like dog years. For everyone that you've had, it's like 10 years, and don't ever forget that.