...Good morning. I'm Jason Goldberg, and I cover the U.S. large-cap banks here at Barclays. Welcome to day 2 of our Annual Global Financial Services Conference. Yesterday was very informative and today could be more so. In track 1 alone, we're holding 12 large-cap banks in a row. That's half of the top 25 banks in the U.S., including at least a CEO, CFO and/or COO. Before we begin, some housekeeping items. (Operator Instructions). I'm hosting all 12 of the large-cap banks in its track today, which I'm told is a record for a sell side analyst. So help me out with the Q&A, and the having issues, feel free to e-mail me directly at jason.goldberg@barclays.com. Just so please include the ticker in the subject. Kicking off this morning's global financial services conference, we're very pleased to have BNY Mellon, which is both global and touches many aspects of the financial services industry. From the company, we're pleased to have CEO, Todd Gibbons, and relatively new CFO, Emily Portney. Good...