...Good morning. I'm Jennifer Como, the Head of Global Investor Relations here at Visa. It is so great to see all of you here in this room. And I know we have many, many more on the webcast. We have a very packed agenda. So I'll just cover a few items, and then we'll get started, of course, with the forward-looking statements page. Over the course of today, we'll make many statements about the future. And as you know, actual outcomes may differ materially as a result of many factors. Please review our forward-looking statements disclosures and our filings with the SEC for additional information. Unless otherwise noted in our Investor Day presentation, which is available on our IR website, our comments today will reflect Visa's total revenue on a GAAP basis and all other measures on a non-GAAP basis. The related GAAP measures and reconciliation are available at the end of the presentation....