...Morning, everyone, and welcome to our second annual Investor Day. We hope to do this the first, Friday of every December, so that, it becomes regular in your calendar as well. And I appreciate the fact that we've at least got 60% of the room to come in at what I'm told is a fairly early time in Mumbai. You see, we live in a small city a little away where many of our guys start at 7:00 and 7:30 in the morning. So for us, it's still a reasonably mid-morning time right now. Now many of you meet our teams, especially our listed companies, but we started this initiative last year, because we just thought that this provides us an opportunity across our companies for all our leaders to present how they think of not only their own businesses, but when you see each one of them presenting one after the other, it will hopefully give you a flavor of the larger opportunity that we are driving across our companies at Bajaj Finserv. And I hope by the end of today, it will give you some sense of that,...
