PresentationKenneth SuchoskiUS Payments and FinTech Analyst All right. I think we can get started. Good morning, everyone. Thanks for joining us. My name is Ken Suchoski. I'm the U.S. payments analyst at Autonomous Research. And we're excited to host our 10th Annual Future of Commerce Symposium. And we have a great group of speakers lined up, and we're excited to hear their thoughts. We're going to do fireside chats. So all I prepared questions for each of the speakers, but you'll have an opportunity to ask ...