PresentationJohan Burger All right. Good morning, ladies and gentlemen. For those of you in the room and also to those that are via the live webcast, welcome to the 29th Annual General Meeting of FirstRand. Kindly note that the proceedings of this meeting are being broadcast via live webcast. The formal proceedings of this meeting are outlined in the agenda, which is projected on the screen for your information. We now move to the formal proceedings of the AGM agenda. Firstly, with me, physically in attenda ...