Question-and-Answer SessionL. Erika PenalaUBS Investment Bank, Research Division So we usually kick off these firesides with a macro-related question. But I think your breadth and depth of the commercial bank is still a little bit underrated by investors, I do want to start there. So Ted, as I alluded to, you're transitioning into some pretty big shoes to fill right over there as you take over the business. And for those in the audience who haven't had a chance to meet you, could you give us a sense of how ...