 Hello, I'm Susan Reed, Global Head of Diversity and Inclusion at Morgan Stanley. Today I'm thrilled to announce the launch of the Morgan Stanley HBCU Scholars Program, an integrated program designed to support the career aspirations of students at three of the nation's top historically black colleges and universities. The scholarship program includes three components. First, we will provide full scholarships for 60 students over the course of the next four years at all three institutions. The scholarship will cover the full cost of tuition and room and board. Secondly, we will provide career support for the students through mentorship and through interaction with our colleagues here at Morgan Stanley. And lastly, we will work closely with the faculty and staff to ensure the success of the students. I'm thrilled to announce this as part of our broader commitment to diversity, equity and inclusion, and we look forward to expanding this into the future. I am delighted that Morgan Stanley has joined Morehouse in what we refer to as a partnership of purpose to make a difference in the world. Our students are the epitome of academic excellence. Our high-performing Spellman students are already developing innovative solutions to some of the world's most complex challenges. The generous four-year full scholarships that Morgan Stanley is providing will support some of our most talented Spellman students. While the pool of talented black job candidates in our country is strong and getting stronger every day, Morgan Stanley and Howard both understand the need to continue to strengthen the black talent pipeline. We are more appreciative to have this partnership with Morgan Stanley and we look forward to working together on our mutual goals of increasing educational opportunities for African-American students.