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Head of Investor Relations Welcome to you all. And we also have with us via teams some members from the Management Committee. And we re happy to welcome our CEO from AXA France, Patrick Cohen; and our CEO from AXA XL, early, I think, in US time, Scott Gunter, welcome Scott; and CEO for Asia, where I think it s probably a bit later in the day, Gordon Watson, welcome, Gordon; and our CEO for AXA IM, Marco Morelli, who s on vacation, not wearing a tie. So I m not quite sure what time of day it is for him, but welcome to you all. ....