...Christian Bolu Thank you, everyone, and good afternoon. So for our next session, I'm delighted to welcome for the first time to the SDC, Andy Saperstein for Morgan Stanley. Andy is the Co-President and Head of the Wealth Management business at Morgan Stanley. As many of you know, Wealth Management is now the biggest business of Morgan Stanley, and its strong growth has really been a key contributor to the stock outperformance over time. So, we're delighted to have Andy here. Hopefully, he'll be able to delve into more details around the business growth prospects. So, Andy will present a few slides, then we'll sit for Q&A. But before we get started, I have to read a brief disclaimer. So the discussions may include forward-looking statements, which reflect Morgan Stanley management's current estimates and 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...