I had the privilege of working with Michael Lafferty over the last 8 years. As the Founder and Chairman of Lafferty Group and Retail Banking Institute, Michael demonstrated unwavering dedication to financial education. His resilience, tenacity, and innovative approach to work were truly inspiring. Beyond the professional realm, Michael will be missed. I deeply appreciate the invaluable insights and guidance he provided. His legacy as a visionary leader will be remembered. My sincere condolences to his family. Rest in peace, Michael.