 Thank you all for being here. It is lovely to see all your smiling faces. Welcome to the inaugural Open Fintech Forum. Yay! We're very excited to be here. And we look forward to a really exciting two days. Before I get started, I do want to take a moment to just do a little bit of housekeeping if that works for you. Most importantly, thank you to all of our sponsors. We are really grateful for all the support. It's not always easy to be a first sponsor or a first ever event. And so we're truly, truly grateful to all of you for supporting this effort. And we hope that this is the first in many years to come. Don't forget to download the schedule for the most up-to-date details. Use the QR code on the back of your badge or go to oft18.schedge.com. If you want to meet new folks while you're here, download our Open Fintech app, which will connect you with fellow attendees on common interests based on your common interests. We have a lot of great content and speakers to kick off the event and look forward to tomorrow. But with that said, we all know that often some of the highest value we get out of these events is in networking. And if you are inclined, there is a reception later this evening at Prince George's Ballroom. The address and the directions are also on the back of your badge. Dinner and drinks are provided, so we hope that you will make it there. So with that said, I thought I would take somewhere around an hour maybe to just talk to all of you. Just want to make sure you're listening. So I have like 30 seconds of comments, and then we'll introduce our speakers. So I think you all know this, but it's worth just taking a moment to say that the Linux Foundation powers and supports some of the most successful shared open source technology projects in the world. We have over 150 projects that we support and over 150 events that are happening around the world that we lead and some of the most exciting things in open source are happening at these events. We are, in 2018, alone, adding a new organizational member to the Linux Foundation every single day. That includes the weekends. So I think it's worth noting why I'm even standing here. I have actually, I'm not a tech person. I've spent the last 20 years of my career focused on that intersection between policy and security and governance and technology and innovation, advising a lot of C-level executives and CEOs. I worked for the former president of the United States, some former senators and members of Congress, some former secretaries of state. And I'm here because I think I'm here for the same reason that you're here, which is that something as big as it has been happening in open source, but the momentum is kicking up significantly, especially when it comes to financial services. There are so many different ways that the open source world is opening up even more. And there are people who know a ton about it and are extremely detailed in all the technology. And then there are a surprising group of decision makers who are in a position of saying, can you tell me a little bit more about what that is? And I don't want to admit I don't know about it, but I'd really like to understand more about what it is and why I should care. And at the very core of it, what strikes me is that over 80% of the technology we use every day is open source. And I think that's kind of a jarring statement, and it's just becoming even more so. Stock markets, cars, phones, grids, retail shopping, you name it. In fact, we just launched a project where it opens source in movie making. So that's exciting to say. For the first time ever, my mother understands what I do, so that's fun. So what I like to say is that my special talent in life is that I take complicated things and I make them make sense. So it's an honor to be here to learn from all of you. And I want to thank all of our amazing speakers.