...Thank you. Good morning, everybody. Thanks for joining us for the presentation of our Full Year 2022 results being presented from the ANZ offices in Melbourne, on the banks of the Birrarung Docklands, which is on Wurundjeri country. I'm Jill Campbell, I'm ANZ's Head of Investor Relations. I pay my respects to all this past and present and also extend my respects to any aboriginal and Torres Strait Islander peoples joining us for today's presentation. Our result materials were lodged earlier this morning with the ASX, and they're also available on the ANZ website in the shareholder center. A replay of this session, including the Q&A will be available later this afternoon around mid-afternoon. The presentation materials and the presentation itself being broadcast today may contain forward-looking statements or opinions, and in that regard, I draw your attention to the disclaimer that's on Page 1 of the slide deck. I'll talk more about Q&A procedure when we get to that section of today's session,...
