...Unidentified Participant Everyone either get seated or get situated, if you're standing, I guess, more seats -- we'll just figure it out. We'll just put up the first ARS question like we've done for the others, but you obviously can't have a global financial services conference without Citigroup, one of the most global financial services companies very pleased that Mark Mason, with us Chief Financial Officer. Luckily, I speak quickly and Mark can, so we're going to get through what we wanted to, even if the time frame is a little bit shorter. But obviously, Mark, let's jump right into it. Thanks for being here. Mark Mason ...
