Christine Viau: Thank you. We will begin the call today with remarks from Darryl White, BMO s CEO; followed by Tayfun Tuzun, our Chief Financial Officer; and Piyush Agrawal, our Chief Risk Officer.
Operator: Good day, everyone, and welcome to the Third Quarter 2023 HP Inc. Earnings Conference Call. My name is Sarah, and I will be your conference moderator for today s call.
Operator: Good day, everyone, and welcome to the Tarena Second Quarter 2023 Earnings Conference Call. [Operator Instructions] Please note, this event is being recorded.