...Good morning, everyone, and welcome to MAPFRE's results presentation for the first 9 months of 2020. This is Natalia Nunez, Head of Investor Relations. The presentation -- this presentation includes the main figures to give you an overview of MAPFRE's performance. The MD&A and additional information, including the usual spreadsheets, are available on our website. Also, as always, we have here with us Fernando Mata, MAPFRE's CFO. And as usual in the last conferences, we also have Eduardo Perez de Lema, CEO of MAPFRE RE. They both will give you an overview and key highlights of the key figures for the quarter. Before they start, I would like to give you a quick update on the situation regarding the pandemic. In our continuing response to the pandemic, we have maintained our focus on 3 main principles: first, the health of our employees and collaborators. Second, business continuity, guaranteeing the commitment to our clients and shareholders; and third, our balance sheet, focusing on solvency...