And I'd like to now call your attention to the fact that we'll be making some forward-looking statements about the future operating results of TSYS. These forward-looking statements involve risks and uncertainties. Factors that could cause TSYS' actual results to differ materially from the forward-looking statements are set forth in TSYS' reports filed with the SEC.At this time, I'd like to introduce TSYS' CEO, Phil Tomlinson. Philip W. Tomlinson Thank you, Shawn, and good evening, everybody. I'm excited to share the report of the first quarter results, which were really good, as you've seen in our press release. The key metrics that we used to measure our business exceeded our expectations, which we believe is a direct reflection of an economy that's picking up the pace of improvement, at least in our business. While one quarter doesn't make a year, we think it's a good start. Results were positive in EPS, revenues and net income for the quarter. EPS was $0.30 for the quarter, an increase of 18.6% over 2011. Revenues were $461.2 million, up 7.4%. Revenues before reimbursables were $395.2 million, an increase of 9%. Operating income was $84.8 million, up 16.2% over the same quarter last year. At the enterprise level, we saw healthy increases in transactions, both on the issuer processing side, as well as increases on the acquiring side, in the processing and the direct acquiring. Same client issuer transactions for North America and international combined were up 14.4%. Excluding deconverted accounts, same client point-of-sale transactions in our indirect acquiring business were up 11%. Sales volume for our direct acquiring business was up 20.9% over the same quarter last year. And looking at the economy from a macro level, we see continued healthy decline in both credit card delinquencies and charge-offs quarter-over-quarter. Charge volumes on credit cards have trended upward over the past 3 quarters, which, again, indicate improved consumer confidence, and we see a renewed interest among our issuers, in particular, in offering new credit cards and new products.