...Thanks, Paul, and good afternoon, everyone. This is Ray Iardella, Head of Investor Relations at Arthur J. Gallagher & Co. I want to welcome everyone to our second quarter 2025 investor meeting. During this quarter's meeting, we plan to touch on a number of topics through a fireside chat format with our Chairman and CEO, Pat Gallagher; and our CFO, Doug Howell. At the end of our commentary, we will open it up for Q&A for those dialed in. Additionally, we posted our updated CFO commentary document approximately 15 minutes ago on our Investor Relations website at www.ajg.com/june4 materials. An 8-K regarding this information was filed this afternoon as well. So with that out of the way, let's jump right into...