...All right. We can go ahead and get started. Good morning, everybody. For those of you who do not know me, I'm Patrick O'Shaughnessy. I cover capital markets here at Raymond James. And up next, we have Moody's Corporation. And on their behalf, we have Mike West, President of Moody's Investor Service. That's the Ratings side of the house, and we have Shivani Kak, Head of Investor Relations. Thanks for joining us today, guys. Michael West ...