...Good afternoon, everyone, and welcome to the presentation of MAPFRE's results for the first half of 2020. This is Natalia N·±ez, Head of Investor Relations. As in the previous quarter, this presentation includes the main figures to give you an overview of MAPFRE's performance. The MD&A and other information, including the usual spreadsheets, can be found on our website as well as the embedded value figures for 2019. As always, here, we have with us our CFO, Fernando Mata, who will go through the key highlights and figures of the quarter. Before Fernando begins, I want to give you an update of MAPFRE's operations regarding the pandemic. The current situation in MAPFRE is diverse with a new normality in Europe, making it possible to return to almost full commercial activity in our main market in Spain, where more than 35% of the personnel are back to the office as strict control and prevention measures are in place due to growing concerns regarding new outbreaks. The situation in the U.S....