...Great. Good morning, everybody. My name is Ken Usdin. I recently joined Autonomous as the large cap bank analyst. Very excited to help kick off the 41st Annual Strategic Decisions Conference. To start the day, I'm thrilled to introduce our first session with Wells Fargo. I have with me here on the podium, Charlie Scharf. He's the CEO and President. He's been the CEO and President since 2019. I'm really excited to get into the discussion to talk about Wells Fargo. Given that this is the first session today and my first SDC, I'll ask you to be easy on me, even though that's something that you should probably usually ask the moderator. So with that, Charlie, thanks so much for joining us. Charles Scharf ...