A torque converter including: an impeller clutch arranged to transmit, when closed, torque from a first cover for the torque converter to a shell for an impeller; a lock-up clutch arranged to transmit, when closed, torque from a second cover for the torque converter to an output hub; a release chamber for the impeller clutch, connected to a first channel; an apply chamber for the impeller clutch, connected to a second channel; an apply chamber for the lock-up clutch, connected to a third channel; and a torus connected to a fourth channel. The second, third, and fourth channels open to a space including a longitudinal axis for the torque converter and the space is arranged to receive an input shaft for a transmission. The first channel is arranged to connect to a line in a pump housing for a transmission.