...Good afternoon, everyone. I'm Ashwin Shirvaikar, Citi's Global Head of Fintech Research. My team and I are delighted that you're attending Day 2 of Citi's 11th Annual Fintech Conference, which is off to a solid start. And next up is a company that needs no introduction, Visa, and from the company is a person who needs no introduction, CFO, Vasant Prabhu. Vasant, welcome. We really appreciate you being part of our event. Vasant M. Prabhu ...