...Operator I'm Gerard Cassidy, the President of the BancAnalysts Association of Boston. Thank you all for attending. Thank you very much. I appreciate that. With us today, we have PNC Financial, which we all obviously know, it's about $569 billion in total assets. Market cap is over $70 billion. And presently, they have over 2,200 branches throughout the United States. Last quarter, they had a return on tangible common equity of about 17%. Businesses are broken into three areas primarily, Retail Banking, Corporate & Investment Banking and Asset Management. To my immediate right is Rob Reilly, who many of you already know, Executive Vice President and CFO. I was chatting with Rob beforehand. He's been CFO since 2013. And some of you might remember before that, he headed up their Asset Management area for a number of years. To his right is Alex Overstrom. And for a few of us in this room, myself, Charlie and Brent, who have been doing this for a number of years, we like some of the famous baseball...