 All right, Karen, thank you. We're coming up on 623 on Wall Street. We want to get right to the very latest on this massive software outage around the world. Joining us from London is Bloomberg News tech editor Shona Ghosh. Shona, good morning. For those who are just waking up to this news, what happened? Great question. Yes, I'm sure some of our listeners are struggling to get into work and log in.