Operator: Welcome to the Capital One First Quarter 2013 Earnings Conference Call. This call is being recorded. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question-and-answer period. Thank you.
I'd now like to turn the conference over to Mr. Jeff Norris, Senior Vice President Investor Relations. Sir, you may begin.
Jeff Norris - SVP, IR: Thanks very much, Matt. Welcome everyone to Capital One's first quarter 2013 earnings conference call. As usual, we are webcasting live over the Internet. To access the call on the Internet, please log on to Capital One's website at www.capitalone.com, and follow the links from there. In addition to the press release and financials, we have included a presentation summarizing our first quarter 2013 results.
With me today are Mr. Richard Fairbank, Capital One's Chairman and Chief Executive Officer and Mr. Gary Perlin, Capital One's Chief Financial Officer. Rich and Gary will walk you through this presentation.
To access a copy of the presentation and the press release, please go to Capital One's website, click on Investors, then click on Quarterly Earnings Release. Please note that this presentation may contain forward-looking statements. Information regarding Capital One's financial performance and any forward-looking statements contained in today's discussion and the materials speak only as of the particular date or dates indicated in the materials.
Capital One does not undertake any obligation to update or revise any of this information, whether as a result of new information, future events or otherwise. Numerous factors could cause our actual results to differ materially from those described in forward-looking statements. For more information on these factors, please see the section titled, Forward-Looking Information in the earnings release presentation and the Risk Factors section in our annual and quarterly reports, which are accessible at the Capital One website and filed with the SEC.
Now, I'll turn the call over to Mr. Fairbank. Rich?
Richard D. Fairbank - Founder, Chairman and CEO: Thanks Jeff. Before we get started this evening, I wanted to take a moment and say a few words about my friend and our CFO, Gary Perlin. As we announced a few months ago, Gary has decided to retire and will be transitioning out of the Company over the course of this year. After a decade of great work at our company, this is Gary's last earnings call.
Now at Capital One, as you know, we always search the world to find the very best talent, and that's how we found Gary. I tried to get Gary to join us in 1994. He chose other options, but we didn't give up, and he finally saw the light in 2003. And since then, Gary has made a huge impact to Capital One on every step of our journey to build a great company and reward our investors. He's been a strong leader and a wise and trusted advisor. And as you know, he's smart, he's rigorous, and he has the highest of integrity. I know you will join me in saying thanks to Gary and wishing him the best as he immerses himself in his many interests beyond Capital One. I'm grateful for everything he's done to put our company in a strong position.