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Thank you to the Women's Network for inviting me. I've been looking forward to being with you. To all of you who are viewing remotely or listening in, greetings to you as well. I look forward to your participation in the Q&A a little later on.
I want to start with a word of encouragement for all of you who help make the Women's Network happen. I'm not sure which has become more complex in recent years - doing business in the global economy or achieving a fulfilling and rewarding career. So, groups like the Women's Network are very important, especially in large organizations. At Bank of America, we're strong believers in the role affinity groups play - whether it's networking, professional development or good old-fashioned mutual support and encouragement.