...Okay. If everybody could take their seats, we're going to get started. So we're delighted to welcome Charlie Scharf, who's President and CEO of Wells Fargo. I think Charlie is well known to everybody here. He's got a real wealth of experience across the financial services industry. Before joining Wells Fargo, little over 2 years ago, Charlie served in senior positions at JPMorgan, followed by serving the CEO of Visa and Bank of New York. This is the second time Charlie has attended this conference, and it is the first time in person. So welcome, and I'd also be remiss if I didn't say that this is actually the 12th time in a row that Wells Fargo has actually kicked off this conference, and we're very grateful for that. So thank you very, very much for doing that....