...Good morning, everybody, and welcome. Today, Kris Adamski, our Group Treasurer and I will be happy to talk you through our results for what has been a very successful year for our group. As usual, I'll start with a high level and brief overview of how we got on for the group as a whole. And then Kris is going to take us through at a more detailed level for each of our operating divisions. Kris will also cover off the balance sheet and our funding structure. I'll then go on and talk about regulatory matters before talking about purpose for the first time and the importance of purpose to our organization. We'll cover strategy for each of our business units, and then I'll wrap up with some comments on capital management and provide an outlook for the group as a whole. As always, we're going to have plenty of time at the end for Q&A. Now, when Kris comes up on screen, you're going to notice that we're in 2 different locations today. Kris is currently in Warsaw, and I'm in our office here in...
