Operator Ladies and gentlemen, thank you for standing by, and welcome to Global Payments Fourth Quarter and Full Year 2020 Earnings Conference Call. [Operator Instructions] At this time, I would like to turn the conference over to your host, Senior Vice President, Investor Relations, Winnie Smith. Please go ahead. Winnie Smith -- Good morning, and welcome to Global Payments fourth quarter and full-year 2020 conference call. Before we begin, I'd like to remind you that some of the comments made by management during today's conference call contain forward-looking statements about expected oper...