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Operator Please stand by. Your meeting is about to begin. Good morning, ladies and gentlemen. Welcome to RBC s conference call for the second-quarter 2021 financial results. Please be advised that this call is being recorded. I would like to turn the meeting over to Nadine Ahn, head of investor relations. Please go ahead, Ms. Ahn. Nadine Ahn Head of Investor Relations Thank you, and good morning, everyone. Speaking today will be Dave McKay, president and chief executive officer; Rod Bolger, chief financial officer; and Graeme Hepworth, chief risk officer. Also joining us today for your questions, Neil McLaughlin, group head, personal and commercial banking; Doug Guzman, group head, wealth management, insurance, and INTS; and Derek Neldner, group head, capital markets. As noted on Slide 1, our comments may contain forward-looking statements, which involve assumptions and have inherent risks and uncertainties. ....