...Great. Thanks so much, Vasant, for joining us today, and thanks so much to Visa for participating in Evercore ISI's Fourth Annual Payments & FinTech Innovators Forum. I'm David Togut, I research the payments, processors and IT services industry for Evercore ISI. In addition to CFO, Vasant Prabhu, we have Mike Milotich, Head of Investor Relations. Mike, thanks so much for being with us as well today. So just to start on... Vasant M. Prabhu ...