...Good morning, again. For those of you who are with us virtually, not enjoying the sunshine in Florida, I'm Susan Katzke, I cover the large-cap banks for CrTdit Suisse. Our next presenting bank is Wells Fargo, a top pick in the bank space for us, given both the progress that we've observed and what I would call, increasingly clear potential for this bank to materially improve its return profile. I'm pleased to be joined once again by CFO, Mike Santomassimo, [you're 2] in this role at this conference. So let's jump in, because we've got a lot to cover with you....