...Operator Welcome to Visa's Fiscal Third Quarter 2021 Earnings Conference Call. (Operator Instructions) Today's conference is being recorded. If you have any objections, you may disconnect at this time. I would now like to turn the conference over to your host from Investor Relations, Ms. Jennifer Como and Mr. Mike Milotich. Ms. Como, you may now begin. Jennifer Como Thanks, Michelle. Fiscal Third Quarter 2021 Earnings Call. Before we begin, we want to acknowledge the filing was a little later than usual due to an (inaudible) issue, but hopefully, you've had opportunity to review prior to the call. Joining us today are Al Kelly, Visa's Chairman and Chief Executive Officer; and Vasant Prabhu, Visa's Vice Chairman and Chief Financial Officer. This call is being webcast on the Investor Relations section of our website at www.investor.visa.com. A replay will be archived on our site for 30 days. A slide deck containing financial and statistical highlights has been posted on our IR website. Let...