Javier Marín Romano - Chief Executive Officer, 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: Good morning. Welcome to the Second Quarter Results Presentation of Banco Santander. José Manuel Campa, responsible for Investor Relations; and José Antonio Alvarez, the CFO of the bank, will join me for this presentation. The group has conducted its business in the second quarter in a global economic environment in which developed economies have strengthened and emerging ones were still below their potential. Interest rates remain at historic lows in most countries. In this environment, and as I said at the last presentation, the group's management is focused on 2 main priorities. On the one hand, exploiting this new cycle of higher profits and profitability, implementing measures that will enable us to gain market shares in key segments in all entries. On the other, maintain a solid, liquid and low-risk balance sheet. The main aspects in the third quarter -- in the second quarter are: attributable profit rose at double-digit rates, both quarter-on-quarter and year-on-year. All P&L lines, gross income, costs consolidated the good trends of the last few quarters. Business volumes reflect the different macroeconomic momentum of each country and the group's particular strategy in each one. But in generally -- in general, they show rise in lending in 9 out of our 10 core countries in the second quarter, which is beginning to reflect the focus and the strategies we are developing. In France, we continue to focus on reducing the costs while customers find more profitable products better suited to their needs by actively managing deposits and selling…