...Good morning and welcome to the 2020 Annual General Meeting of ANZ shareholders, which, as there is a quorum present, I now declare open. My name is Paul O'Sullivan, and it's an honor to have been recently selected by the Board to serve as your Chairman. I'm joined here at our Melbourne head office by our Chief Executive, Shayne Elliott, as well as by our Chief Financial Officer, Michelle Jablko. All our other directors are participating in the meeting, but are doing so remotely. Before we begin, I'd like to start by having Amelia Caldwell of the Ngarigo Wiradjuri Country and a graduate in our Institutional Business to deliver an Acknowledgment of Country. Amelia Caldwell Thanks, Paul, and jingeri. Welcome to all of you joining us today. I'd like to undertake the important duty of acknowledging that I am joining you from the lands of the Gadigal people of the Eora Nation here in our Pitt Street office in Sydney as well as acknowledging the Wangi and Boonwurrung people of the Kulin nation...