Thank you and good morning everyone. Starting on page one. excluding both the visa gain that I mentioned earlier as well as onto balance sheet and capital on page three. CCB reported net income of $4.2 billion. Please stand by. For our first question, we'll go to the line of Stephen Chewbacca from Wolf Research. Please go ahead. Hi. Good morning, Jeremy. So I wanted to start off with a question on capital. Just given some indications that the Fed is considering favorable revisions to both Basel III endgame ...