...Operator Welcome to Visa's Fiscal Fourth Quarter 2017 Earnings Conference Call. (Operator Instructions) Today's conference is being recorded. If you have any objections, you may disconnect at this time. May I now turn the conference over to your host, Mr. Jack Carsky, Head of Investor Relations. Mr. Carsky, you may now begin. Jack Carsky;Head of Global Investor Relations Thanks, Kevin. Good morning, everyone, and welcome to Visa Inc.'s Fiscal Fourth Quarter 2017 and Full Year Earnings Conference Call. Joining us today are Al Kelly, Visa's Chief Executive Officer; Vasant Prabhu, Visa's Chief Financial Officer; and Joon Huh of our IR team. This call is currently being webcast over the Internet and is accessible on the Investor Relations section of our website at www.investor.visa.com. A replay of the webcast will be archived on our site for 90 days. A PowerPoint deck containing the financial and statistical highlights of today's call have been posted to our IR website. Let me also remind...