We will refer to a non-GAAP financial measure, adjusted diluted EPS from continuing operations attributable to Equifax, which excludes acquisition-related amortization expense, a tax benefit in the fourth quarter and the loss on the merger of our Brazilian operations with Boa Vista Serviços. Since our Brazilian operations will merge with Boa Vista on June 1, we also present revenue growth excluding Brazil to provide a clearer understanding of our revenue growth for the businesses and will continue to be reported in our operating results.These measures are detailed in our non-GAAP reconciliation, included with our earnings release and posted on our website. Please refer to the non-GAAP reconciliation and our other various Investor Relations presentations posted on our website in the Investor Relations section under the About Equifax tab on our website for further details. Now I'd like to turn it over to Rick. Richard F. Smith Thanks, Jeff, and good morning, everyone. Thank you for joining us today. I think you'd all agree 2011 was a very solid year for Equifax. In fact, it was a year in which we saw accelerated organic growth as each quarter unfolded. In the fourth quarter, organic non-mortgage revenue growth accelerated from 8%, up from 7% in the third quarter and 4% in the first quarter. And by the way, total organic growth, when you include mortgage, was actually 9%, the strongest we've had in quite some time. Throughout the year, we continued to invest in critical growth -- revenue growth initiatives, ending the year with $75 million in CapEx and $127 million invested in strategic acquisitions around the globe. We also invested our shareholders, returning over $220 million in the form of dividends and share buyback. Our investments in new product innovation continue to pay great dividends. In 2011, we generated very strong double-digit growth in new products for risk services, Verification Services, fraud, technology and local services and marketing. In fact, for the year, we launched a total of 69 products around the world, and that allowed us to expand into new markets and gain share with existing customers as well as new customers.