...Good afternoon, and welcome to Sanlam's 2023 Capital Markets Day. As you all know, this is a hybrid event, so a very big welcome to those of you joining us here today as well as those of you joining us online. We've taken a different approach this year, splitting the day and the event over the next 2 afternoons in order to give as many investors as possible across the world a chance to dial in and to follow our presentations. Last month, we presented the group's 2023 interim results, which showed that the group is in excellent shape and performing well on all of our key metrics. Over these two afternoons, we aim to give our investors some deeper insights into our business and the journey we're taking to build the most admired financial services group in Africa. You're going to hear over the next two days from the management team about how Sanlam has made significant strides in becoming an African champion through, firstly, implementing a number of transactions to strengthen our position...
