...Good morning, and thank you for taking the time today to join Equitable's 2020 Annual Meeting of Shareholders. My name is David LeGresley. I'm Chair of the Board and Director of Equitable Group, the parent company of Equitable Bank, Canada's Challenger Bank. Andrew Moor, our President and CEO; Tim Wilson, Senior Vice President and Chief Financial Officer; Michael Mignardi, the bank's Vice President and General Counsel; and Linda Dwyer, our Corporate Secretary, are also participating. I'd like to welcome all shareholders and proxy holders as well as guests and friends of Equitable, and remind you that we have posted a slide deck to the Computershare virtual interface. Should you wish to follow along with our presentations, we will let you know when to advance the slides. We are on Slide 1. Now turning to Slide 2. It's hard to believe that just a couple of months ago, the bank was well along the way to another strong first quarter performance, having finished 2019 and the previous decade...