Christine Benz: Hi, I'm Christine Benz from Morningstar. I'm here at the Morningstar Investment Conference. I'm joined by Morningstar director of manager research, Russ Kinnel. He's been at the conference for the past couple of days, culling some themes, and one theme that he has said has come out loud and clear today is corporate indebtedness. He's here to discuss it with us today.
Russ, thank you so much for being here.