...All right. Morning, everyone. Welcome to our 2019 First Half Year Results. And Nick Teunon here, our CFO, will be presenting with me. So we'll start off by really just going through the sort of major highlights, and it's been a half of continued strong growth. We've seen all 3 of our businesses continue to grow, particularly the branch-based lending with the new branches, and indeed, existing branches coming to maturity. The guarantor loans, we've increased the capacity with our new office in Trowbridge and home credit has been more a story of where we've seen very significant increase in profit as a result of all the good works and investment we've made over the last few years. Then the next point is an exceptional item totaling a fairly large GBP 25 million, which is due to 3 things. The deal costs, which are being well flagged and are well known in relation to the offer for Provident. Secondly, goodwill impairment, and I'll come on to that in just a second. And thirdly, a little bit...
