The PNC Financial Services Group (PNC) 2025 Conference June 11, 2025 01:45 PM ET Speaker0 Have a disclosure to read, so I'll read that. For important disclosures, please see Morgan Stanley Research disclosure website at morganstanley.com/researchdisclosure. Taking of photographs and use of recording devices is also not allowed. If you have any other questions, reach out to your Morgan Stanley representative. Okay. With that out of the way, thank you so much, and good afternoon. Thank you so much to Bill Dem ...