...Perfect. Good morning. I'm Jason Goldberg, and I cover the U.S. large-cap bank stocks here at Barclays. And welcome to day 2 of our Global Financial Services Conference. Similar to yesterday, we have (inaudible) it's always great to have at a financial services conference, Wells Fargo, that plays in many, many aspects of the financial services industry. From the (inaudible) very pleased to have Michael Santomassimo, the Chief Financial Officer. Before we -- well, as I kind of asked Mike, the first question, why don't we put up the first ARS question similar to what we did yesterday, and we'll tabulate these results and probably publish them tomorrow. Mike, good morning, thanks for coming. Michael P. Santomassimo ...