Operator Good day, everyone, and welcome to the Bank of America first-quarter earnings announcement. [Operator instructions] Please note today's call is being recorded. And it is now my pleasure to turn the conference over to Lee McEntire. Please go ahead. Lee McEntire -- Senior Vice President, Investor Relations Good morning. Thank you for joining the call to review our first-quarter results. Hopefully, you've all had a chance to review our earnings release documents. As usual, they're available, including the earnings presentation that we'll be referring to during the call on the new and improved investor relations section of the bankofamerica.com website.