[applause] >> ladies and gentlemen, please welcome shon manasco.ause] >> everyone is getting up and clearing the room. that's not a good sign. [laughter] >> so i don't know about you but this conference for me has not only been inspiring but also encouraging because for some of us who have been part of this activity for the last four or five years it started off fragmented and to see coalitions that are forming, i'm really encouraged about the future. hello, my name is shon man affecto. -- shon manasco but today i have the opportunity to being part of a great team and that's usaa. any members out there? [cheers and applause] >> great, as you know ussa was formed by the military and hiring military has been a practice standing. you all seen the commercial, at least i hope you have, we know what it means to serve. when you make bold statements like that you actually have to walk the talk. if you were to take a stroll with me down the hallway at any location and talk to employees, this is what you would learn about their lives is that one and four hav