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Operator Ladies and gentlemen, thank you for standing by, and welcome to the Mastercard Q4 and full-year 2020 earnings conference call. [Operator instructions] I would now like to hand the conference over to your speaker for today, War Kneeshaw, head of investor relations. Thank you. Please go ahead, sir. War Kneeshaw Head of Investor Relations Thank you, Tanya. Good morning, everyone, and thank you for joining us for our fourth-quarter 2020 earnings call. We hope you re all safe and sound. With me today are Michael Miebach, our chief executive officer; and Sachin Mehra, our chief financial officer. Following comments from Michael and Sachin, the operator will announce your opportunity to get into the queue for the Q&A session. It is only then that the queue will open for questions. You can access our earnings release, supplemental performance data and the slide deck that accompany this call in the investor relations section of our website, mastercard.com. A ....