...So first of all, good morning again, and thank you, everybody, for being here. Again, I'm Darrin Peller, for Wolfe Research covering FinTech and Payments. Really happy to have Visa with us. And I think many -- some of you have met before with Chris, some of you have not. But he's been now -- well, how long has it been -- have you been CFO? Christopher Suh ...