...All right. Good afternoon, everybody, and good morning on the West Coast. But -- thanks again for joining. Again, I'm Darrin Peller, payments analyst at Wolfe Research. Second day of the Wolfe Fintech Forum out of a 3-day conference. And one of our keynotes, we're happy to have Vasant, CFO of Visa, on with us to really share some of the latest developments on the company on a story we've obviously been following since the IPO we worked on years ago. So it's amazing to see the transformation. But Vasant, thanks again for joining us. Vasant M. Prabhu ...