...Good afternoon, everyone. I'm Gerard Cassidy with RBC Capital Markets. Welcome to the 2022 Virtual Financial Institutions Conference. With us for this afternoon session is M&T Bank. Many of you know this bank. It's about -- and this number might be inaccurate now that the deal has been approved, but the 19th largest U.S. commercial bank. The company is one of the most highly valued banks with a market cap of about $23 billion, trades at about 1.4x book value and has a attractive dividend yield of about 2.7%. We're very pleased today. We have Rene Jones as -- who's the Chairman and -- of the Board and CEO of M&T Bank. Rene joined M&T as part of their, I believe, Executive Associates Program going back to 1992. Many of you may remember, Rene for his role as CFO from 2005 and 2016. And in December of '17, he was named Chairman and CEO of M&T Bank. And joining him will be Darren King, who is the current CFO and Executive Vice President. Darren joined M&T in 2000. And we'll start it off. Rene...