Before we begin, I'd like to mention that both Bobs are calling in from different locations this morning, so we appreciate your patience and cooperation during Q&A in advance. I also want to remind you that some of our discussions may contain statements of a forward-looking nature, which represent management's beliefs and assumptions concerning future events. Forward-looking statements involve risks, uncertainties and assumptions that are based on information currently available to us. Actual results may differ materially from those expressed in the forward-looking statements due to many factors. Information concerning these factors is contained in the report of our financial results we released earlier this morning and in the company’s SEC filings. We undertake no obligation to update any forward-looking statements made during this call to reflect events or circumstances that may arise after this call.Now, I'd like to turn the call over to Bob Carr. Robert O. Carr Thank you, Maria, and good morning, everyone. I'd like to thank you all for joining us today and for your interest in Heartland. As you saw on our financial results for the second quarter, we reported record quarterly earnings with adjusted net income of $20.3 million, or $0.50 per share, increases of 50% and 49%, respectively, over the comparable figures for the same quarter last year. Results reflect continued strong net revenue growth and a significant improvement in our operating margin, which was 22% for the quarter, 200 basis points above our 20% near-term goal. Among the more notable highlights for the quarter, we achieved record quarterly transaction processing volume, as we continue to increase new margin installed and experience same-store sales growth. The new margin installed was up 21% in the quarter, to the best level in 3 years, as both our established and new relationship managers' productivity reached all-time highs. Led by Heartland School Solutions, payroll, Heartland loyalty marketing and SmartLink, we also delivered strong growth in our adjacent non-card businesses. In Heartland School Solutions, we acquired Lunch Byte, our 5th and one of our largest acquisitions, expanding our market-leading position in the K-12 school nutrition and POS technology industry. Heartland School Solutions now services more than 29,000 K-12 schools across the U.S., representing a nearly 30% market share.