...Well, good afternoon, everyone, and thank you for joining us for our keynote session at our annual conference. Thank you so much for attending the conference and participating. Very important, given everything going on in the world, changes in the world to really -- to get together and to talk about and try to understand the things happening around us. I'm Dave McKay, President and Chief Executive Officer of RBC. And I'm very, very excited to welcome Al Kelly, Chairman and Chief Executive Officer of Visa to be our key note speaker. I'm very, very excited because there is so much going on not only in the world, but in the world of payments. What's the geopolitical role that payments is playing, how the shifts in society are affecting payments, the role payments is going to pay play in the future of commerce and the future of our economies, how technologies impact payments. Moving money around the world is a core capability of Visa and I couldn't think of anybody better than Al to lead us...
