Javier Marín Romano - Executive Director, Chairman of Public Policy Committee, Member of Executive Committee and Member of International Committee José Antonio Alvarez Alvarez - Executive Vice President of Financial Management & Investor Relations Division José Manuel Campa - Head of Investor Relations Javier Marín Romano: Hello, good morning, and welcome to the Third Quarter Results Presentation. Let me begin just with some highlights of the quarter. The group developed its business in the third quarter in an environment of a slower growth. We've been -- we've seen growth that is coming a little bit more sluggish in most of the economies where we have developed our -- where we developed our business. As a result, interest rates continued to trend down. We've seen a decrease in interest rates in the Eurozone, basically the EURIBOR, which are -- to which they have referred most of our credits in Poland, Mexico and Chile, and they remain at historic lows in most of the economies. In this environment, and as I commented last time, the group has been focused on 2 aspects: on one side, increased profits and profitability, implementing measures that enable us to gain market share in key markets and in key segments and products, and continue to improve efficiency and productivity; second, to maintain a solid, liquid and low-risk balance sheet. In this context, the main features in the third quarter were, on one side, attributable profits that continued its upward trend, absorbing the usual seasonal aspects of the third quarter in revenues and costs, the basic lines of the P&L consolidated trends of the last few quarters. Volumes reflect the group's strategy in segments, products and countries, rises -- we see a rise in lending in 8 out of our 10 core markets. And also, in funds, we…