...Good afternoon, everybody, and welcome to the preclose call. I think we are on time, maybe 1 minute too late just to give other participants the chance to call in. But once again, welcome to the Danske Bank Q3 2023 Preclose Call. My name is Claus Ingar Jensen, and I am Head of Investor Relations. With me, I have Katrine Str°bech and Nicolai Tvern° from our IR team. Please note that this call is being recorded for compliance reasons, and the script used for this call will be published on the Investor Relations website after the call. Given that we conduct this call via Teams, please be aware that if you want to ask questions, you must log in via the Teams app or your browser. If you participate via a telephone line, the IR team will be available for questions after the call. In today's call, I will highlight relevant public data and macroeconomic trends in our markets as well as one-offs that you should be aware of before the start of the silent period on the 6th of October, ahead of publication...