...Welcome to our first half 2023 results conference call. This is Carlo Messina, Chief Executive Officer; and I'm here with Stefano Del Punta, CFO; Marco Delfrate; and Andrea Tamagnini, Investor Relations Officer; and Luca [Boca] Head of Planning and Control. Also with us today are Massimo Proverbio, the Group Chief of our technology and data together with (inaudible) Nikola, Head of transformation. Stefano Barrese, Head of Banca Dei Territori, together with (inaudible), Head of the Division business governance and Tommaso Corcos, Head of our private banking division. They are with us today because I will not only walk you through a very high-quality set of results, but we will also give you a preview of our tech transformation that is moving quickly, thanks to significant investments. Massimo Paula, Stefano Virgin and Tommaso will help me to answer all your questions on technology and the 2 important digital business initiatives we launched recently, Isybank and Fideuram Direct We have just...