...Good afternoon, everyone, and welcome to ANZ's third ESG market briefing. My name is Tony Warren, and I look after the communications and public affairs function here at ANZ. Firstly, let me acknowledge the traditional owners of the land on which we meet and pay my respects to the elders past and present. Now within the comms and public affairs function, we have a specialist team responsible for managing our group-wide ESG work. This includes our disclosures, our customer assessments as well as helping to ensure we are strategic in our approach and are responding to current and emerging ESG risks and opportunities. But of course, management of ESG issues is embedded right across the organization, including in our risk, strategy, property and sustainable finance teams. So now to today's briefing, which will be led by our CEO, Shayne Elliott. Shayne will give an update on how we're performing against our ESG commitments, including those relating to carbon. We'll then provide some insights...