Before Jim kicks off our discussion, I would like to remind you that this conference call contains forward-looking statements within the meaning of the Safe Harbor provision of the Private Securities Litigation Reform Act of 1995. Investors are cautioned that such forward-looking statements involve risks and uncertainties that may affect KAR's business, prospects and results of operations, and such risks are fully detailed in our SEC filings.Now I would like to turn the call over to KAR Auction Services' CEO, Jim Hallett. James P. Hallett Great. Thank you, Eric, and good morning, ladies and gentlemen, and welcome to our third quarter discussion. Today, I'm actually -- I had Eric join me here in the Motor City. I've been on the road this week with Tom Caruso, President and CEO of ADESA; and Peter Kelly, President and CEO of OPENLANE, doing customer visits across the country and taking the time out to do this conference call. And really, there's 2 things I want to focus on today. I want to focus on our third quarter performance, and then I want to give you an update on OPENLANE, not only the acquisition, but the feedback from customers and employees as well. So with that, looking at the third quarter, as they say, give me the facts. Third quarter EBITDA, $116 million; year-to-date adjusted EBITDA, $375 million. And I would say that we are disappointed that the strong performances at Insurance Auto Auctions and at AFC were not enough to offset the 15% volume decline at ADESA. And as a result, we need to lower our 2011 adjusted EBITDA expectations from approximately $500 million to approximately $485 million to $490 million. The volume outlook for ADESA, we expect that these industry headwinds will continue into 2012, and that 2012 institutional volumes are expected to be down from the 2011 levels. However, we do anticipate future volume declines won't be as steep in the -- quarter-over-quarter going forward, as what we experienced in the third quarter of 2011. And we're hopeful that our Dealer Consignment volumes will continue to improve. And hopefully, these volumes may offset the institutional volume declines.