Thank you, Chair.
Welcome to the panel. I'll add my voice to those of other colleagues and thank you folks for appearing today on a warm, summery, blue sky, “I'd rather sit there than be in here” kind of environment. But we're glad you're here.
We've heard what's happened with your various operations and your institutions. My question to each of you is, what do you see in the future? We see economic upheaval. We look across the planet and we know we don't live on an island—what happens in Spain and in other parts of our planet affects all of us in one way or another. How do you look at that in terms of what's going to happen, probably—and maybe not, but certainly a change will occur in the financial institutions you represent. How will they deal with these changes on the horizon?