...All right. We'll get started now. Very excited. So I'm Will Nance. I cover payments here at Goldman, and we are very excited to have Rob Orgel, President, COO of Flywire today. Flywire helps process complex, high dollar international payments for specialized verticals, including education, health care and travel. Rob leads global payment network, business operations, finance, legal, compliance, corporate strategy. And prior to that, Rob served various roles at Apple and helped develop and launch Apple Pay and Apple Card, so quite the resume, quite the responsibility list. Please join me in welcoming Rob. Delighted to have you here. Robert Orgel ...