he is james gutierrez. i have known james since he was a child because he used to walk precincts for me when i was 5 or 6 years of age because his dad was a good friend of mine. he is the c.e.o. of a leading financial services company serving the needs of hispanic markets by helping its commerce -- customers build credit and gain access to a better life. he will discuss the financial sector, how it deals with a lack of diversity and how the industry mansion work force diversity data. it gives me pleasure to introduce my good friend, james gutierrez. [applause] >> thank you, congressman. actually i have a couple of slides. i may jump over to where you are and pull those up. i will do my best as we get the technology going. i do come from silicon valley, so i should be able to learn this. [laughter] maybe i will just start with kind of my story as a social entrepreneur in the world of financial services, and then also talk about diversity in financial services and also silicon valley since that is where we are