As we've asked bankers about topics and ideas that we should be covering with these podcasts, there is one answer that is almost universal, and that is HELP US WITH SALES. Every bank out there is thinking about growth, and loan growth specifically. Even those that are hitting their numbers have to work really hard to get there. Banking is a highly regulated and seemingly commoditized business, so those that win have to do so with a purposeful and well executed sale strategy. So, to that end, we've talked about business development, we've talked about building relationships, and today we are going to talk about managing a pipeline.