Jenelyn Zaballero Lacerna - Senior Vice President and Group Head of Mass Retail Okay. Good afternoon, ladies and gentlemen. Welcome to our earnings call to discuss BPI's results for the first quarter ...
Good morning. It's 9:30 in Dallas. Thanks for joining us this morning and for the interest in our first quarter results. We're glad you're here. We've all had our coffee, so let's get to business.