Hello, this is Bob Strickland. Thank you for calling intothe Wells Fargo third quarter 2007 earnings review prerecorded call. Before wetalk about our third quarter results, we need to make the standard securitieslaw disclosure. In today's call we will make forward-looking statements aboutspecific income statement and balance sheet items and other measures of futureresults of operations and financial condition, such as statements about creditquality and future credit losses generally and specifically that credit lossesin the home equity portfolio are likely to increase in the fourth quarter of2007 and remain elevated into 2008. Forward-looking statements give our expectations about thefuture. They are not guarantees and results may differ from expectations.Forward-looking statements speak only as of the date they are made and we donot undertake any obligation to update them to reflect changes that occur afterthat date. For a discussion of some of the factors that may causeactual results to differ from expectations, please refer to our SEC filings,including the 8-K filed today which includes the press release announcing ourthird quarter results, and to our most recent annual and quarterly reportsfiled with the SEC and to the information incorporated into those documents. Now I will turn the review over to our Chief FinancialOfficer, Howard Atkins.

Thanks Bob. The third quarter was a challenging quarter forthe industry with the downturn in the national housing market, deterioration inthe capital markets, a widening credit spreads, increases in market volatilityand changes in interest rates. While Wells Fargo is not immune to theenvironment, the diversity of our business model and our long-standing financialdiscipline resulted in solid quarterly results with a 6% increase in earnings pershare to a record $0.68 per share, double-digit revenue growth, driven bydouble-digit growth in loans, double-digit growth in core deposits, and double-digitgrowth in fee income, and continued strong operating margins including positiveoperating leverage. Many of our businesses were able to take advantage of the opportunitiesin the marketplace to attract new customers and meet more of their customers’financial needs. I want to start with our typical review of how ourdiversified businesses performed and how broad-based our growth driverscontinued to be, in both our commercial and consumer businesses. Throughoutthis discussion of business segment results, I will include how the thirdquarter credit crunch impacted each business positively and negatively. I willthen review our credit quality across our various loan portfolios. Let me start with our commercial businesses. Our Wholesale and Commercial Banking Group, which servesprimarily middle market customers and select niches in the large corporatemarket, continued to perform well despite the challenging environment. This isa testament to our strategy of developing long-term, deep relationships withbusinesses rather than one-off transactions. Net income grew 6% from a year ago. Revenue grew 12%,reflecting strong growth in commercial loans and business deposits andfee-based businesses such as asset management, insurance and international.Cross-sell reached a new record with 6.1 products per wholesale relationshipand 7.4 products per middle market relationship. Wholesale Banking Group’s average loans grew by 21% year-over-yearand 29% annualized linked quarter. Asset-based lending, international,commercial real estate and specialized financial services, which include our capitalmarkets…