We look forward to you joining us as we review the market activity in 2021 and what may happen in 2022. The first month of January wasn't exactly what investors hoped but our outlook is constructive for 2022. Consumer balance sheets remain healthy, the job market is strong, and monetary policy is still accommodative. These factors should continue supporting the economy and financial markets. Despite this positive backdrop, there are important transitions underway that could prove more challenging for investors as the year unfolds.