Steven Jo joins us and shares the complexity of digital transformation: " We looked at those two, I guess you could call it value chains, within this organization and decided those are what we're going to go after. That's like the open heart surgery. You're taking out your arteries, your main organs, upgrading them with digital technology, new operating models. We're revamping our loan originations platform. All this is going on at the same time. So it's super, super complicated work."