...Good afternoon, and welcome to Sanlam's 2023 Interim Results Presentation. It is my pleasure to welcome members of the Investment Analysts Society, members of the Sanlam Board and guests joining us in the auditorium and via the webcast and telephone lines. I am Grant Davids, Head of Investor Relations at Sanlam, and I'll be facilitating today's session. I trust you will find it informative and engaging. We are joined in the auditorium today by our Group CEO and Group Finance Director. We are also joined by other members of the executive leadership team in the auditorium and online. For the agenda today, Paul Hanratty, our Group CEO; and Abigail Mukhuba will present the financial results, and then we will move into a Q&A session, both from the auditorium as well as the webcast and the telephone lines. I'll now invite Paul to begin the presentation. Paul Brendan Hanratty ...