...Good morning, everyone. I'm pleased to welcome you to the 25th Annual Scotiabank Financial Summit. My name is Travis Machen, and I'm the CEO and Group Head of Global Banking and Markets at Scotiabank. On behalf of Scotiabank, I want to thank each of you for your business and your partnership, and thank you for being here today. During the next two days, you will hear from a group of some of the most impressive financial services CEOs in Canada. We will learn about their corporate strategies and financial performances, current themes, and trends impacting the industry and their outlooks for the sector. As you are well aware, over the past few years, our sector has faced unprecedented events, a global pandemic, wars, energy crisis, highest inflation in nearly 40 years, fastest increase in interest rates in modern banking history, notable banking failures in the US, and we are still navigating the unknown effects of quantitative easing and quantitative tightening now. However, our industry,...