...Good morning, and a very warm welcome to this presentation of our third-quarter results. My name is Benedikt Gfslason. And with me here today to present the results and our operating environment are our Chief Economist, Erna Bj÷rg Sverrisd=ttir; and our CFO, +lafur H÷skuldsson. To start with, a very strong quarter in terms of core income and a 10.5% ROE in the quarter, and almost 15% for the first nine months. This result is very much driven by the ongoing positive momentum in our core income, which increased by some 19% in the third quarter and almost 20% increase for the first nine months. Now it was a challenging market -- capital markets in Iceland, which impacts our financial income in the quarter. These are financial losses on the investment portfolio of our insurance business, V÷rdur, and in our own market-making activities. And that actually impacts our effective tax rate, again, which is unusually high at 36.5%, which is due to the combination of income and especially loss on equity...
