...Okay, good morning, everyone. My name is Darko Mihelic, the Canadian bank analyst here at RBC. Welcome to another session of fireside chat, this time with TD. We have Kelvin Tran, the CFO, here to speak with me. But before we begin, I'd like to remind you all that Kelvin'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, Kelvin, welcome to our conference and thanks for joining. Kelvin Tran ...