...So welcome, everyone. And we are here at kicking off our First Annual TD Cowen Financials Conference. And we're very, very pleased to have with us Synchrony Financia. Synchrony, largest private label issuer branching out into co-brand as well. I think what Synchrony has done is also kind of to build its own networks within its card business. We're very pleased to have with us Brian Wenzel, EVP and CFO. And with this, welcome, Brian, and so just ask you if there's anything that you'd like to kind of kick off in terms of any updates or anything that you'd like to open up the commentary? Brian Wenzel ...