...Okay. Welcome, everyone. This is our Wednesday keynote at our 26th Annual Technology Conference here at Phoenician in Arizona. We have the pleasure of having with us today the team from Visa. We have the CFO, Vasant Prabhu. And I also want to thank and recognize Jennifer Como, Head of Investor Relations, who's also joined us here in Arizona. And with that, I want to turn it over to my colleague, Moshe Orenbuch. Moshe is the consumer finance analyst at Suisse. For those of you that I haven't met, my name is Tim Chiodo. I'm the payments processors and fintech analyst. Moshe Ari Orenbuch ...