Operator: Good evening, and thank you for joining the E*TRADE Financial Third Quarter 2012 Earnings Conference Call. Joining the call today, are Frank Petrilli, Chairman and Interim Chief Executive; Matt Audette, Chief Financial Officer, and other members of the E*TRADE's management team. Today's call may include forward-looking statements which reflect management's current estimates or beliefs and are subject to risks and uncertainties that may cause actual results to differ materially.
During this call, the Company may also discuss non-GAAP financial measures. For a reconciliation of such non-GAAP measures to the comparable GAAP figures and for discussion of additional risks and uncertainties that may affect the future results of E*TRADE Financial, please refer to our earnings release furnished with Form 8-K and our 10-Ks, 10-Qs and other documents that company has filed with the SEC. All of these documents are available at investor.etrade.com. This call will present information as of October 18, 2012. The company disclaims any duty to update forward-looking statements made during the call. This call is being recorded and replay will be available via phone and webcast later this evening at investor.etrade.com. No other recordings or copies of the call are authorized or maybe relied upon. With that, I will now turn the call over to Mr. Frank Petrilli. Please go ahead.
Frank J. Petrilli - Chairman and Interim CEO: Good evening and thank you for joining todays call. I'd now served in the role of Interim CEO for a little over two months and have spent nearly nine months as Chairman of the Board. During this time, I have come to learned and appreciate a great deal about this firm and its management and my confidence has never been higher that executing on the strategic plan outlined earlier this year is the right path towards creating shareholder value. Despite our disappointing bottom-line results, we have made meaningful progress on our plan and put in place several key building blocks to drive future execution of our strategy. Matt will take you through the financial results and many of the specifics you may be interested in, but I would first like to walk you through what I consider to be the most important areas of focus and our progress against them.
When I assumed the role of interim CEO in August, I committed to the Board that I would place unwavering focus on four key elements of our strategy which fit neatly within the Company's overall strategic and capital plan that we presented to our regulators in June. My key areas of focus are as follows. First, expand the brokerage business. Now this has been at the heart of everything that Company has been doing for quite some time, but it is especially important today as we cannot lose focus of our overarching purpose marked by our goals to expand market share and to increase penetration of our existing customers' assets.
Second, strengthen the financial position of the Company. This speaks to both the balance sheet and the income statement and will always be a focus, but it's particularly important today given the meaningful value that can be unlocked through the execution of our strategic plan.