...Good morning, everyone. Thank you for joining us, and I know we're starting a little later than some of the previous quarters, so I appreciate you staying with us. The firm performed well in a very uncertain and difficult environment. An ROTCE of 15%, excluding integration expenses, reflects the stability and strength of the business model. Wealth Management pretax margin, excluding integration expenses, was 28.4%, and coupled with $65 billion of net new assets, demonstrates how this business, even in a very volatile market environment and with indices down over 20% this year, continues to attract new client assets and remains highly profitable. This business' enormous scale and channel diversification should ensure continued success. Investment Management and Investment Banking were clearly impacted by the market environment. But as I've said elsewhere, advisory and underwriting activity has not gone away. It has simply been deferred. Fixed income and equities remains very solid with no...
