...So good morning, again, to everybody in the room. For those of you with us virtually, I'm Susan Katzke. I cover the large-cap banks for Credit Suisse. And our next presenting bank this morning is Wells Fargo, again, this year, a top pick in the bank space, given both the progress and the increasingly clear potential for this bank to materially improve the returns that you generate. I'm pleased to be joined once again by CFO, Mike Santomassimo, year 3 in this role at this conference. So we're going to jump right in. We've got a lot of ground to cover over the next 40 minutes here....