Our remarks today will include forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. We will make forward-looking statements about, among other matters, adjusted revenue, adjusted internal revenue growth, adjusted earnings per share, adjusted operating margin, free cash flow, free cash flow per share, sales pipelines, acquisitions and our strategic initiatives.Forward-looking statements may differ materially from actual results and are subject to a number of risks and uncertainties. Please refer to our earnings release which can be found on our website at fiserv.com for a discussion of these risk factors. You should also refer to our earnings release for an explanation of the non-GAAP financial measures discussed in this conference call, and for a reconciliation of those measures to the nearest applicable GAAP measures. These non-GAAP measures are indicators that management uses to provide additional meaningful comparisons between current results and prior reported results, and is a basis for planning and forecasting for future periods. With that, let me turn the call over to Jeff. Jeffery Yabuki Thanks, Peter, and good afternoon. Let me say upfront, 2011 was an excellent year. Revenue growth continued to accelerate on the strength of record sales, differentiated solutions and strong client relationships. We delivered record earnings per share and took important steps to benefit our growth, earnings and capital structure for years to come. We are very well-positioned entering 2012. Our results in the quarter were strong. Adjusted revenue grew 6% and adjusted internal revenue growth of 4% was the highest quarterly performance in nearly 4 years. Our full-year adjusted internal revenue growth continued to climb, increasing 3% in 2011 versus 1% last year. Adjusted earnings per share was up 20% in the quarter to $1.27 and increased 13% to a record $4.58 for the year, $0.04 above the high end of our original EPS range. Adjusted operating margin for the quarter increased 30 basis points over last year's strong Q4 performance and 100 basis points sequentially. Adjusted operating margin for the full year was down slightly to 29.2%.