OPERATOR: Good morning. My name is Tameka, and I will be your operator today. (OPERATOR INSTRUCTIONS) Thank you. Mr. Walters, you may begin your conference. KIRK WALTERS, EXECUTIVE VP/CFO, SOVEREIGN BANCORP: Thank you, Tameka. Good morning, everyone. I'd like to thank you for participating in Sovereign's call for 2008. As a reminder, during this call, we'll make statements or forward-looking statements. Within the meeting the Safe Harbor provisions of the United States Private Security Reform...
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