...Good morning, Jason Goldberg, U.S. large-cap bank stock analyst here at Barclays. Thank you to joining us for another presentation this morning. Very pleased to have Morgan Stanley with us. Before we begin a couple of housekeeping items. First off, on the left-hand side of your screen, upper left-hand corner, there is a button to submit questions. Please do so. We'll be getting through a fair amount of them. If you have trouble submitting questions, you can also feel free to e-mail me directly at jason.goldberg@barclays.com. I know some of the firm's firewalls kind of prevent outcoming e-mail through third-party websites. In addition, on the left-hand panel of this screen, there's some audience response polling questions. Please take a moment to respond to those. We may or may not get time to address those at the end. But either way, we'll publish the results tonight. And so far, there's some actually interesting observations we've gleaned. Before I turn it over to Jon Pruzan, Chief Financial...