...Good morning, everybody, and welcome to Barclays Emerging Payments and Fintech forum. We got a really terrific lineup for you today, and thanks for braving the drizzle to get here. Pretty packed agenda today help yourself to food and box launches will be set out around noon. Can you help with anything, the office is down here on the right-hand side straight down. And then also, I just wanted to give a special thanks to our conference folks who are the best in the business and also Allison Gelman on my team, who is truly in this event the brains and I'm just the muscle. So I appreciate that. And with that, we are honored to have Corpay with us here today, CFO, Tom Panther. Tom, thanks so much for being here. Thomas E. Panther ...