Capital One Financial (COF) 2025 Conference June 10, 2025 02:30 PM ET Speaker0 Alright, everybody. We're gonna get started. Before I get started, I'm just gonna read some disclosures. For important disclosures, see the Morgan Stanley research disclosure website at morganstanley.com/researchdisclosure. Taking of photographs and use of recording device is not allowed. If you have any questions, please reach out to your Morgan Stanley sales representative. So very excited to have Rich Fairbank and Jeff Norris ...