...Unidentified Participant Okay, well, welcome, back after lunch, and they're a very interesting speaker, Stefan Mayo. I always find him, a joy to listen to. And this is our last presentation of the day, not least, Mr. Andrew Moore, President CEO of EQ Bank. If you want to start off with, some opening remarks, I think people are quite tired of hearing their questions at this point. So let's a little bit of a fresh sure. Andrew Moor ...