Question-and-Answer SessionGood to see you as well, as always. Thank you for joining us today, and I thought maybe we could start with a bit of a macro question. Obviously, there's been a bit of volatility in the economy, both Canada and the U.S., but for the U.S. specifically, how do you sort of see the macroeconomic environment currently? And how do you see it evolving? And how does it sort of inform your views on your business?Leo SalomGroup Head, U.S. Retail, TD Bank Group & President and CEO, TD Bank, ...