...Good morning. This is Matthew O'Neill. Goldman Sachs' payments and IT service analyst. Very pleased to be joined this morning by Al Kelly, CEO of Visa. And before we kick it off, given the first session of the day, I just need to point everybody to the box below the video, remind everybody that full listed disclosures can be found there as well as on www.gs.com/research. So with that, without further ado, Al, thank you so much for your time and for joining us this morning. Really excited to be following up not too long after earnings here and figured we'd just kind of kick off....