PresentationTarik El MejjadBofA Securities, Research Division Good afternoon, everyone. Thanks for joining us after lunch session. We had time to get lunch. Marguerite I'm very pleased to welcome you to our conference. I think it's -- this is your first time meeting the investors community as new CEO of ABN AMRO. I mean, your attendance is highly appreciated. So clearly, I mean, ABN is seen among the remaining fuel profitability turnaround stories and your appointment is seen as a catalyst to drive this cha ...