Good morning to everyone. Welcome to this webcast presenting the BBVA Group earnings for the first quarter of 2013. The presentation and explanation behind the earnings will be given by Ángel Cano, who's the group's President and Chief Operating Officer. Then immediately afterwards, we'll have the Q&A and Manuel González Cid is here to accompany us on that, our CFO. And any questions that can't be answered during the webcast, as always, will be covered by the Investor Relations team sometime during the rest of the day. Ángel Cano Fernández: Good morning, everyone, and welcome to this presentation of the BBVA Group earnings for the first quarter of 2013. I think it will be a good idea before I start to go over the highlights for this quarter to also go over some of the comments that we made during the presentation, for the 2012 year-end earnings when we talked about how we expected 2013 to roll out and the main tendencies we were expecting. To start with, we talked about one concept which was, that it was going to be a year of transition, and we'd see a big change between the performance in the developing and the developed economies, and talking about Spain, we said that in Spain, we will still and we'll see this when we talk about the first quarter, we're still going to be seeing a drop in lending volumes because of the deleveraging that was going on here. And we see that in many different sectors. We also talked about nonperforming assets and we talked about this slight rise that we will be seeing in NPAs for the group as a whole but above all, that was because of the growth in NPAs in SMEs. And we said that in 2013, we'd probably see…

I believe the -- the impact... Ángel Cano Fernández: Do you want me to talk about the impact of Basel III? And you can answer about CRD4 and the Tier 1 operation. Basel III, I said in the presentation, that our objective -- and this is what we're working to, is to -- by the end of the year 2013, is to have around 9% fully-loaded pursuant to Basel III. When we talk about the impact of moving from 2.5 to III under Basel III, the impact on deductions, our best guess is going to be 335 basis points, and there are several items to take into account here, and maybe I should highlight one of these in our tax assets. The DTAs within these 335, there's one line which is tax credits themselves beyond the deferred tax assets, and these are tax assets that will never be added to the deductions because they'll be offset before the stipulated phase-in period, so they will never have an impact here. But of this 335 basis points that I mentioned, 100 basis points are associated with the negative tax basis or the tax credits per -- and about 90 are related to the investments in our share in China. That's the data, basically. But by the end of the year, as I said, we should have 9% fully loaded, as I say. Manuel González Cid: The impact of the final draft of the European capital rules with regard to the -- of weight -- risk-weighted assets in SMEs, in preliminary estimations we have, we're talking about EUR 1.7 billion in risk-weighted assets. From the point of view of the second question, the announcement that Reuters made yesterday concerning a possible Tier 1 instrument, basically, BBVA, along with many other banks with [indiscernible]…