...Good morning, everyone. I'm Jon Ashe from Wellington Management, and I am the host for our session with M&T Bank. M&T Bank is $140 billion in assets, ranking at around the 20th largest bank in the country. The bank's physical footprint mostly encompasses the northeast and Mid-Atlantic regions. Joining us today are CEO, RenT Jones; CFO, Darren King; and the IR team, Don MacLeod and [Mike Riley]. Here is a fun fact. Since Darren joined M&T in 2000, the American football playing Patriots and Bills have played each other 42x with the Patriots victors in 86% of the contests. As impressive as that winning percentage is, it is exceeded over the same period by M&T's win rate versus the banking industry on most financial metrics. Thank you for joining us. And I guess we'd start with RenT, if you want to open up with any opening remarks? RenT F. Jones ...