Mike corbat, the ceo of citigroup, as steve mentioned, the worlds global bank with 200 million customers and accounts within 160 countries. Huge from anybodys measure. Since becoming ceo in 2012, he has focused on leveraging citis Global Network to serve its institutional and banking clients with an emphasis on strong execution and the highest ethical standards. Mr. Corbat has been at citi since his graduation from harvard in 1983. Prior to his current role, he has held a variety of ceo positions for citigroup, including ceo of europe, middle east, and africa, ceo of citi of the Global Wealth management unit, and the Global Corporate and commercial bank. He is actively involved with several civic and cultural organizations, including his roles as executive Committee Member of the partnership for new york city and as a board of trustee of the United States ski and snowboard association. I would like to introduce dustin walsh who will be moderating today. Hes an awardwinning senior forr