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Operator Good day, and welcome to the Munich Re Analyst and Investors Call on Annual Results and January Renewals. Today s conference is being recorded. At this time, I would like to turn the conference over to Mr. Becker-Hussong. Please go ahead, sir. Christian Becker-Hussong Head of Investor & Rating Agency Relations Yeah. Thank you very much. Good afternoon, everyone. Welcome to our call on our full year 2020 earnings release, including 1/1 renewals and the outlook for 2021. I have the pleasure to be here with Joachim Wenning, our CEO; and Christoph Jurecka, our CFO. And both gentlemen will kick it off with their statements. And afterwards, we will go right into Q&A, and we have ample opportunity to answer your questions. So I suggest, Joachim, the floor is yours. ....