...All right. I think we're going to get started here. Session 2, our 9 a.m. session, delighted to be joined by Ryan McInerney, the President of Visa. Some of us are here in person. Most of everyone is online. For folks that maybe weren't on the -- if you weren't on the prior session, just so you know, quick logistics for questions. You're funneling questions through me. So folks in the room, you've got note cards in front of you. You can write them on the note cards and hand them to [Aaron] right up here. For folks that are online. I actually have the chat dashboard up in front of me. And so you will -- I'll be checking it periodically. So feel free to just submit them through that big chat box on your screen, and we will pepper them in. So all right. Ryan, welcome. Before we dive in, are there any opening statements or comments or anything like that, that you'd like to make? Ryan M. McInerney ...
