...Good afternoon and welcome to AXA's 2022 full year results presentation. Thanks to those who are here in person and welcome also to those following us on the webcast. Presenting our results today is our Group CEO, Thomas Buberl; our Group Deputy CEO, Frederic de Courtois; and our Group CFO, Alban de Mailly Nesle. We also have in the room the CEO of AXA France, Patrick Cohen; the CEO of AXA Europe and LATAM, Antimo Perretta; and the CEO of AXA XL, Scott Gunter. After the presentation, we'll have a short Q&A session -- not a short -- we'll have a Q&A session. We'll first take the questions in the room and then we'll go to the questions on the webcast. And with that, I turn to Thomas. Thomas Buberl ...