...Thanks, everyone, for joining. My name is Tien-Tsin Huang. I cover the payments and IT services sector at JPMorgan, and I was just telling Al, I'm so thankful to have Al Kelly, Chairman, CEO and Visa here, back with us to do a fireside chat. And like other sessions, we'll be doing questions. We'll be taking some questions from the ask a question portal. So if you want to click-through that, I'll be monitoring that throughout the session. But hopefully, we'll hit a lot of the questions you have because I have gathered that from the investor community. So Al, it's great to see you. Thanks for doing this again. Alfred Francis Kelly ...