...Good afternoon, and welcome to Mapfre's activity update for the first 9 months of 2023. First of all, I would like to apologize, due to some technical issues we could not start on time, and we are almost 15 minutes in delay. Sorry for that. This is Felipe Navarro, Corporate Director of Financial Markets and Treasury of the Group. Thank you for being here today. It is a pleasure to have with us Mr. Antonio Huertas and -- who is the Mapfre's CEO. He will give us an overview of recent trends and corporate developments. It is also a pleasure to introduce Fernando Mata, the Group's CFO, who will also walk us through the main financial figures. We also have here with us Leandra Clark, Deputy Head of Investor Relations, who will be moderating the Q&A session. You can use the Ask A Question link at any point during the call, and we will open up the question-and-answer session at the end of the presentation Let me now turn the call over to Antonio. The floor is yours. Antonio Huertas Mejias ...