We continue to monitor our consumer and commercial customer spending trends as the nation goes through the various stages of reopening. I’d also like to caution you that we may make forward looking statements during today’s call that are subject to risk and uncertainty. And with that those set of investments, the math says the following. So, on the one hand, it's smaller, on the other hand, it's a little bit -- it's more senior. So, we were in compliance with it at the end of the second quarter. So, beyond heightened consciousness on that issue. What are some of the puts and takes that we should factor in to the models here? Loans grew 1% and deposits increased 3% from a year ago. I think, yeah, we’ve talked about this a little bit over the last couple of quarters. As we’ve begun to implement this new culture, the response has been overwhelmingly supportive, but I understand it’s different and is a significant change for many. Speaker 3: (01:05:00) While the number of digital customers remained stable from the first quarter, these customers are doing more digitally with logins up 10% from the first quarter and the number of checks deposited using a mobile device reaching a record high in the second quarter, up 32% from the first quarter. That's helpful. I wasn’t in the seat. The linked quarter growth was driven by non-interest bearing deposits, which were up 18% while interest bearing deposits declined 1%. Got it. We're providing significant credit to our clients. Your next question comes from the line of Vivek Juneja with JPMorgan. We’re confident that this eventual economic improvement combined with our actions to increase our margins will allow our wonderful franchise to support a higher dividend in the future. While the opportunities for improvement are clear at the macro level, we need business by business plans. We had $460 -- we had a $463 million gain on the sale of residential mortgage loans, which had previously been designated as held for sale. Now we continue to expect net interest income to decline in the low to mid-single digits in 2020. On Page 26, we provide our Community Banking metrics. We've continued our strict routine monitoring process with the goal of identifying problems early. I think we’ll be talking about realized results and what drove them over the course of the year, including closure of issues. We will do what we can to support the fastest recovery possible, but we will be cautious in our outlook at until we see the facts. What are some of the puts and takes that we should factor in to the models here? Charles Scharf: (01:22:28) I'll then turn the call over to John to review second quarter results in more detail. I just wanted to clarify some of your capital guidance. And so there's this long list of things that we will actively be working on. John Shrewsberry: (53:58) Founded in 1993 by brothers Tom and David Gardner, The Motley Fool helps millions of people attain financial freedom through our website, podcasts, books, newspaper column, radio show, and premium investing services. If they're correct, in the second quarter, do we see the provision being primarily then to cover net charge-offs and loan growth and no more CECL reserve buildup, is that correct, is that the way we should look at it? And there’s a handful of benefits to that, including being able to do more business with the companies and the institutions that were financing in that realm. And so that’s why we’re just being very, very careful about leading you to a specific number, because we’re not sure where that all nets itself out. Speaker 1: (51:52) But when you go below that, there's certainly some activities which might not meet our criteria for continuing to be here. Just wanted to understand on the planning process that Charlie announced at the beginning.