...Unidentified Participant So Clark, I wanted to start with you on a more bigger picture question. One of the advantages that Key has had over peers is the mix of fee-based business, right. You get 40% of revenues from fees. You're well established in capital markets, payments, wealth management. And a couple of weeks ago, Chris spoke about your strategic focus of driving more fee-based capital-light revenues. So what I wanted to start with is, how are you working with clients to expand their relationship with Key to leverage all of the services that you can provide? And specifically, what does success look like for you, and what metrics do you track on this? Clark Khayat ...