...Good morning, everyone, and welcome to our first half results call. This morning, I'm joined by Gary Thompson, our CFO. And together, we will update you on what has been a very strong 6 months for our group. I will start with the headlines for the period, and I'm happy to say it is all very positive news. I will also provide an update on our progress on our strategy to return to sustainable growth, and I will explain where we have got to with our purpose, which we first introduced to you just a few months ago. Gary will then pick up and take us through the detailed financials, both at a group and a divisional level, and he will introduce our new business terminology, which will make it easier for you to compare us to some other businesses that operate in the same segment. In addition, Gary will cover the robustness of our balance sheet from a capital and funding perspective. I will then pick up and comment on current regulatory topics before providing closing remarks on the outlook for...
