manus: both sides of the aisle. senator tim scott giving the response to biden's joint address of congress. standard chartered delivers an 18% profit gain in the first quarter, how bad sharp decline in credit losses, underlying -- held by a sharp decline in credit losses. a very comfortable beat for the company versus the consensus at $1.08 billion. the man who compiles the numbers, the nuances, and the changes, andy halford, standard chartered cfo, apparently now without an office to sit in, but more of that in the moment. andy, 18% gain. talk annmarie, myself, and the viewers through where the spike in the business came for you. good morning, andy. andy: good morning to you. i think we have had a good start to the year. as you say, we had a significant increase in profitability, up