We also have with us today leaders from some of the most innovative and fast-growing parts of Towers Watson. They'll be giving you insight into the areas and some idea as to why we're so excited about the potential opportunities there. Carl Hess is going to be speaking on de-risking trends. Mark Maselli is going to be speaking on Health and Group Benefits; Bryce Williams, on our new segment, Exchange Solutions; and Ravin Jesuthasan, on Talent Management; Miriam Connaughton, our U.S. West division leader for the Client Development Group and David Dow, the LOB leader for TAS and EMEA, are also in the audience. And they'll be available for any questions that you might have and they'll also be with us for lunch.So we're going to try real hard to keep to the schedules so we have plenty of time for questions at the end. Let me get right into this. So first of all, FY '12. Overall, we had a very pretty good FY '12. We had 5% revenue growth and we had overall profit growth. We made some strategic acquisitions that are going to allow us to grow into adjacent complementary markets and are going to help position us for the future. We also experienced some challenges this year. We saw a softening market in EMEA, we saw some cyclical slowing in some of our business. And of course, we saw some impacts from our ERP deployment stabilization activities in North America. Despite all these market challenges, for example particularly in EMEA, we had a stronger than expected performance in the region. When we step back and look at where we're headed for fiscal 2013, we see a lot of signs indicating continued growth and the strengthening of our business, and we hope to give you a flavor for some of that today. We have strong positioning in the marketplace, we have good client relationships, we have experienced management and then we hope to see additional benefits from potential acquisitions. Roger's going to talk about this in more depth when we get to the FY '13 guidance.