...Hello. It's Bryan Keane, senior payments processors and IT services analyst at Deutsche Bank. And we're thrilled to have Oliver Jenkyn, who's the Regional President of North America at Visa, for a virtual fireside chat today. And both of us are fighting the smoke and staying indoors in Southern California. So I think what we'll do, we'll keep this chat virtual, obviously. And if you have any questions, you can submit your questions through the portal, and you can also just e-mail me directly. So with that, Oliver, hope you are safe and sound. Thanks for joining us. Oliver Jenkyn ...