U.S. Bancorp (USB) 2025 Conference June 11, 2025 08:15 AM ET Speaker0 Okay. Great. Thank you, everybody, for joining us this morning. I'm going to read a disclosure. For important disclosures, please see Morgan Stanley Research at disclosure website at morganstanley.com/researchdisclosures. If you have any questions, please reach out to your Morgan Stanley sales representative. Okay. Those are my disclosure announcements. This morning, we are delighted to have with us today from U. S. Bancorp, Gunjan Kadia, ...