...This is Jason Goldberg, and I cover the U.S. large-cap bank stocks here at Barclays. And this is our 19th Annual Global Financial Services Conference. Next up, very pleased to have Morgan Stanley. And from the company, we've Jon Pruzan, their Chief Operating Officer. Before we jump in, 2 points of housekeeping: one, in the upper right-hand corner of your screen, there's some buttons. One of them says Ask A Question. Simply click on that and you can type in some questions. And if time permitting, we'll get to those, we can get to a lot of them. And then secondly, there's a button titled Survey. Feel free to click on that. We've been collecting data throughout the conference and we're publishing those results later this evening. And then the second point of housekeeping. I'm just going to read a disclaimer from Morgan Stanley. The discussion may include forward-looking statements, which reflect Morgan Stanley's management's current estimates and subject to -- and are subject to risks and...
