PresentationEbrahim PoonawalaBofA Securities, Research Division So we'll go ahead and get started. So first of all, welcome, everyone, to Bank of America's Annual Financial -- 34th Annual Financial Services Conference. Ebrahim Poonawala, Head of North American Bank's research for BofA. We're on the Day 2 of our conference, or actually Day 3, in earnest began on Monday evening. And I think so far so good. Outside of all the market noise, I think just the updates from the banks across lending, capital markets ...