OPERATOR: (Operator Instructions) Your first question comes from the line of Jim Mitchell with Buckingham Research. Please go ahead with your question. JIM MITCHELL: Quick question on expenses. Just to get to the high end of your efficiency ratio targets, it seems to me if I kind of do ...
JIM MITCHELL: Okay. And maybe another question on the SLR, it seems like there's been more effort to use compression trades and it's unclear on the benefits of OTC clearing, but I would assume that would also be positive on notional values. Have you got any sense on whether you think...