PresentationJoshua ShankerBofA Securities, Research Division All right. Well, let's get started, I guess. Everyone find a seat. Okay. We'll see if you're joining us right now, are we live? Okay, we're live. So thank you for joining us at the Bank of America Global Financial Services Conference. If you're listening in here, this is the Arch Capital Group session. We are really -- it's a treat to have Arch Capital Group presenting obviously, a U.S. listed company, which is an exception here at the conference. ...