Good afternoon, and welcome to the Danske Bank Q3 2026 pre-close call. My name is Claus Ingar Jensen, and I am Head of Investor Relations. In addition, Olav Jørgensen and Nicolai Brun Tvernø from our IR team are also on the call. Please note that this call is being recorded for compliance reasons, and the script used for this call will be published on the Investor Relations website after the call. Given that we conduct this call via Teams, please be aware that if you want to ask questions, you must log on v ...