...Thank you, and welcome back, everyone, to our session with TD Bank, and we have Bharat Masrani, the CEO of TD here to have a discussion. But before we begin, I've been asked to tell you that Bharat's comments today may include forward-looking statements. Actual results could differ materially from forecasts, projections or conclusions in these statements. Listeners can find additional details in the public filings of TD Bank Group. With that out of the way, welcome Bharat to the conference. Thank you for joining us this morning. Bharat B. Masrani ...