...Unidentified Participant All right. We're going to get started. Up next, we are pleased to once again have M&T joining us. M&T had another strong year, highlighted by strong fee income growth, continued expense discipline, continued improvements in credit and returned lots of capital. I think the most in the peer group. Here to tell us how they're going to continue this momentum is CFO, Daryl Bible. Today's presentation is a fireside chat. And for everyone here, I'm sure you saw the company did publish a slide deck last night, where they reiterated their fourth quarter guidance, which we will touch upon shortly, but I just want to make sure that everyone saw that. So welcome, Daryl. Thanks for coming again. Daryl Bible ...