...Hello, everyone, and welcome to AXA's full year '21 results. It's great to be back here live in London. A big welcome to all of you in the room. I think we have all of the London sell side here with us today in person. So thank you all for coming. It's great to have you, and it's great to be on the same room together. So thanks for that. And a big welcome also to those of you joining on the webcast, and it's great to have you with us as well today. Here with us in London this morning -- this afternoon: we have our CEO, Thomas Buberl; we have our Deputy CEO, FrTdTric de Courtois; we have our CFO, Alban de Mailly Nesle; we have also our CEO for France, Patrick Cohen; and we have our CEO for Europe and LatAm, Antimo Perretta. So thank you all for being here as well. There will be a Q&A session. Obviously, at the end of the presentation. We'll give preference to those of you who are here in the room with us. But we're also very happy to take questions from the webcast. So just send your questions...