...Thanks for joining us here. I am pleased to have with me Andy Saperstein, Co-President of Morgan Stanley and Head of Morgan Stanley Wealth Management. Andy will start with some slides, and then we're going to move to Q&A. But before I hand over to Andy, I do have a quick disclaimer I will be reading. This discussion, and the one with James Gorman later today, may include forward-looking statements, which reflect Morgan Stanley management's current estimates and are subject to risks and uncertainties that may cause actual results to differ materially. Morgan Stanley does not undertake to update the forward-looking statements. This discussion, which is copyrighted by Morgan Stanley and may not be duplicated or reproduced without their consent, is not an offer to buy any security. Okay, the disclaimer is out of the way, Andy, and I'd like to turn it over to you for the presentation. Andrew Michael Saperstein ...