...Welcome back to Evercore ISI's Seventh Annual Payments and FinTech Innovators Forum. I'm David Togut, I lead the payments processors and IT services research team here at Evercore ISI. Really delighted to welcome Visa management to the conference. Oliver Jenkyn, Group President of Global Markets Organization, and formerly the Regional President of North America, so we have a bit of a twofer here. And we're also joined by Jennifer Como, Global Head of Investor Relations. Oliver, Jennifer, thanks so much for being with us here today. We greatly appreciate it. Oliver Jenkyn ...