...Good morning. Welcome to day 2 of the 22nd Annual CrTdit Suisse Financial Services Forum. I'm Susan Katzke. I cover the large cap banks. Covered a lot of ground yesterday and a packed day -- we've got a packed day of presentations and management meetings ahead of us today. So let's get started. The first bank presenting this morning is Morgan Stanley, and I'm happy to welcome back CFO, Jon Pruzan. We always appreciate your participation. In each of the last 2 years, you announced acquisitions the week of the conference. This year, we kick off with you announcing that you're closing an acquisition, the acquisition of Eaton Vance a little bit -- next week. And so we kick off the conference with you actually having pretty much completed the transformation of the bank. So let's get started. But first, I am told I'm going to read a disclaimer. So the discussion may include forward-looking statements, which reflect Morgan Stanley's management's current estimates and subject to risks and uncertainties...