...Unidentified Participant Hey. Good morning, everybody. Before we get started, I'm just going to read some disclosures. For important disclosure, see the Morgan Stanley Research Disclosure website at morganstanley.com/researchdisclosures. The taking of photographs and use of recording devices is also not allowed. If you have any questions, please reach out to your Morgan Stanley sales representative. So with that, we're kicking off the second day of our 16th Annual Financial Conference with Ally Financial. This morning, we'll be showcasing two businesses at the center of Ally's recent power focus strategy, specifically Dealer Financial Services and Corporate Finance. Now, while these two businesses today are different, today, we'll be digging into the common strategy between them, specifically the emphasis on helping commercial customers win, as well as how they're helping Ally achieve its medium-term target. So joining me on stage this morning is Doug Timmerman. Welcome back, Doug. President...
