...Unidentified Participant Okay. Well, good morning. Almost good afternoon, everybody. It's my pleasure to introduce Michael O'Grady, President and CEO of Northern Trust; and Dave Fox, the firm's recently appointed CFO. With about $14 trillion in custody assets and $1.6 trillion asset management, Northern Trust is one of the largest global custodians with unique capabilities and ultra-high net worth wealth management channel among many others. Over the course of 2024, Northern has seen accelerating organic growth in the institutional wealth business. Took a few strategic steps to reposition the balance sheet, and improve NII, and accelerated share repurchases. So all things welcomed by this community, looking forward to getting your perspectives on your progress, and how are you thinking about 2025. Welcome back, Mike. Welcome Dave, your first conference with us. Looking forward to many more....