Thank you, and good morning, everyone. Thanks for joining us today. I might just walk through the presentation relatively quickly. I'm not gonna. It's quite lengthy, so I won't labor on a lot of the slides, but I will like to touch a few key points. If I move to page 2 of the presentation with the half results for 2022, it really demonstrates a diversified business model coming to the fore and delivering growth in profitability and excellent shareholder returns. You know, we've experienced excellent growth in our branded product, as you've seen in the numbers, which we'll talk about later. A strong trend of an emerging increased proportion of that manufacturing going into higher margin products. You would be aware of our acquisition of Fintelligence, which brings forward our opportunity to drive further margin enhancing capabilities in a new asset class. Pleasingly, mortgage brokers are now 67% of the market in terms of the new originations. That represents it being the dominant channel. We believe AFG, as a leading aggregator, is well placed to continue to capitalize on this trend. The business has always had a strong cash flow generating capability, and this sort of empowers the confidence we have to enhance our historical dividend policy to a record interim dividend of 7% per share, which is an increase of 19% on the same half last year. Another factor or feature of the half has been that both major political parties are now supportive of the existing broker remuneration model, which removes a level of cloud which is on the horizon around how the model would survive if there should be a change in government at the federal level. We have a market cap of circa AUD 630 million and a strong balance sheet. AUD 225 million in net cash and other financial assets. If you turn to the other page, an important statistic that's shown, we're very proud of, is one in ten home loans in Australia now are arranged by an AFG broker. That has helped fuel residential settlement to be up by 47% to AUD 30.8 billion. We now have a trail book, which is an important trail book in terms of the driving cash flow into the business, of AUD 173.8 billion. Pleasingly, AFG Home Loans settlements were up 90% to AUD 2.8 billion, and that trail book now sits at AUD 12.18 billion. Broker numbers have increased to 3,050, and if you add the brokers, the non-residential brokers coming through from the acquisition of Fintelligence, that number is now 3,525. Moving across to page 5, we talked about residential settlements being up by 47% to AUD 30.8 billion. AFG Home Loans white label products are up 46%. Importantly, commercial and AFG business volumes were also up. You would remember during the pandemic that those volumes were a little softer based on outlook of the small business and commercial sector. These seem to be starting to pick up again once more as confidence in the sector returns. An important part of the overall commercial business is our Thinktank business, or our investment in Thinktank, but also our Thinktank white label volumes. Those volumes increased 94% to AUD 127 million. AFG Securities has had a stellar six months. Notwithstanding high runoff rates industry-wide, growth in AFG Securities has been well above system. We recently executed a third warehouse with a two-year tenure, and we completed a settlement of our second non-conforming term deal for AUD 450 million, which reflects acceptance of, by the market, of our mortgage assets in a new asset class. Key, AFG Securities is clearly a key driver for earnings of AFG into the future. If you look at the AFG Securities book on page 7, the characteristics of the loan book feeds into the overall loan book performance. You know, what we have is a conservative book, which drives an important level of credit quality. You tip over the page to page 8, you'll see the arrears performance, which continues to be excellent. 25 out of the roughly 10,000 home loans are currently in arrears, and only 15 loans are in hardship. On the back of that, we've seen it possible to release some of our provision we previously raised of about just under AUD 400 thousand in terms of provisions for non-recovery. Page nine, we talk about our technology. Technology is and will always be a cornerstone of AFG's strategy, and we anticipate continued investment in our technology platform. We've made a small investment in BrokerEngine, which provides an advanced automated workflow and pipeline management tool with the ability to design bespoke customer journeys for AFG brokers and the broader Australian market. The important part of BrokerEngine is being used industry-wide and generates revenue in its own right as a fee for service or a software as a service product. We've released to the market with details on Fintelligence when we made that acquisition. It's a proprietary tech platform, which will help build scale in terms of our footprint in the asset finance business, and it integrates seamlessly with other business applications and has inbuilt API capability. We continue to invest in our analytics platform, which not only drives insights for brokers to assist building their business but also helps inform our distribution, manufacturing, and lending decisions. If you fold that back to the comment I previously made, purely around the performance of the AFG Securities book, you can see that that is starting and continues to provide dividends in terms of that business. Our strategic alliance with Volt will provide access to a digital banking platform and an AFG personal-branded personal finance manager app, which helps provide our brokers in the future with a ring-fencing capability for their customers from other financial services providers looking to access those customers. Financials, I'll pass across to Ben Jenkins. Thank you, David, and good morning, everyone. We are pleased with the result for the half, with profit up 20% and it enabling a dividend of AUD 0.07 per share. Reported NPAT is AUD 4.1 million higher than underlying NPAT as higher run-up activity is offset by high settlement activity and growth in our trail book. Strong growth in the AFG Securities loan book of 36% to over AUD 4 billion is particularly pleasing. The growth has offset the competitive pressure on NIM, with net interest up 17% on the same period last year. Moving to slide 12. Our diversification strategy has delivered earnings growth and reduced our reliance on residential aggregation margin. Residential aggregation gross profit has reduced from around 56% of overall in 2015 to 29%. As we continue to build out our aggregation network in other asset classes and add lending products in those asset classes, we'll continue to add further margin. Moving to slide 13. Our business remains capital light and generates strong cash flows. This is highlighted by a total trail book net asset increasing to AUD 104 million. Net cash of AUD 32 million, and our investments in other businesses and subordinated notes of AUD 90 million, for a total of AUD 225 million. Operating cash flow is down on underlying NPAT due to a commission timing difference. This can be seen in the chart on the top right, with cash flows significantly higher than underlying NPAT in the H2 of FY 2021, though it remains robust over the periods. As noted on the previous slide, operating cash flows are down due to the timing difference of a large commission receipt and payment either side of 30 June. When we normalize for this, our cash flows remain very strong with annuity-style cash flows from our trail books and a growing AFG Securities loan book placing as well as continue to drive growth into the future. Moving to the summary balance sheet. Our balance sheet is healthy and in a net cash position. The investment in Volt was recognized during the half at fair value on the balance sheet as one of the major changes, and in addition to that, Fintelligence was also consolidated into our balance sheet at 31 December. Given the 31 December effective date, profits will be recognized from 1 January in our P&L. There are further details on the Fintelligence acquisition accounting in the appendix at the back. Moving to slide 16, and as noted earlier, the gap between underlying reported profit has increased due to the higher run-off and high growth in settlements. This is typical in periods of strong settlement growth and over time, the gap between the two will close. On average, approximately 2 to 3 months of trail commission is collected in half for new settlements, but 4.9 years of income is recognized. The average loan life for a new loan has reduced from 5 to 4.9 years due to the high run-off. Moving to slide 17, other income. Pleasingly, service fees have continued to increase by 12% compared to the H1 of FY 2021. This is due to broker numbers rising and also the increased take-up of additional aggregation services, such as compliance, professional indemnity insurance, and marketing services. Thank you, everyone. I will now hand back to David to continue the presentation. Thanks, Ben. I thought it'd be important to talk a little bit about business strategy and update you and sort of highlight some of the key things that are moving within the business. On slide 19, you'll see a chart which talks about AFG today and where we wanna take the business. Yeah, if you like, we are aggregating the peach-colored cylinder there. We are aggregating across a number of asset classes now. You know, we participate in additional margin opportunities with white label, sorry, with white label and manufacturing in both home loans and commercial. From an AFG Home Loans perspective, we have AUD 12.7 billion under our own label. Of that, AUD 4 billion of it comes through AFG Securities, which is manufactured through our RMBS program. The ambition over time is to plug in more manufacturing type assets and more manufacturing capability through other asset classes. You know, it's not manufacturing, it's white label opportunities. As you would've seen with commercial, we take a white label opportunity with Thinktank, but we also take an equity slice of Thinktank's business, which enables us to participate also in the equity side of the upside of that business as it continues to grow successfully. A reminder that Thinktank this year has contributed AUD 2.6 million to our earnings profile for the half, which is up from about AUD 1.9 million for the same time last half. That's been very, very successful. Moving forward, we've got asset finance, which represents, if you combine Fintelligence, around about AUD 1.7 billion per annum. The ambition from here is to look to manufacture and distribute white label or manufacture into that asset class to generate additional margin generating capability within the business. As you can see, you know, the model is quite simple in terms of its identifying areas of distribution. Establishing a strong footprint within that distribution and then harnessing that distribution to identify opportunities to either white label or manufacture. So far, that has been very successful. If you turn the page, sorry, I'll talk about that on page 21, cause that's been very, very successful. If you just jump to page 21, it might be just as easy while I'm here. You can see in FY 2015, in terms of the timeline, you know, FY 2015 is the time of listing. We had an NPAT of around about AUD 15 million. We had an AFG Securities loan book of AUD 1 billion, residential settlements of AUD 31 billion. Jump forward to the H2 of FY 2022, we have a profit number which is double that over the full year for the business. Our AFG Securities book has reached AUD 4 billion. Our residential settlements, interestingly, are almost aligned spot on with the full year number for FY 2015. We've been able to then generate an opportunity for the business to harness that distribution to drive further margin-generating capability through other asset classes and through the margin-generating activities of white label and of course, manufacturing directly. The key strategy is to diversify earnings by building distribution and margin-enhancing activities, and it's working and it's delivering results. Our investment in our own technology and recent fintech acquisitions positions us up to maximize growth opportunities and continue to improve the broker and customer experience across multiple asset classes. As I've mentioned, asset finance and commercial distribution are our underserved markets, and is the next cab off the rank for us to continue to grow our business and improve our diversification capability across the Australian finance market. I will jump to page 22 now and talk about our investments. We've talked briefly about Thinktank. We're very, very pleased with how Thinktank has taken a significant part of the Australian commercial market. We have obviously own around about 32 to 33% of that business. We obviously participate in white label activities there. Mortgage Advice Bureau is a small sub-aggregation business, for want of a better term, which enables us to gain exposure to a different type of aggregation model across the Australian market, a model which is based on a very successful U.K. market model. We've talked about Volt in terms of what it's providing us, in not only a white label capability as we begin to roll those out, they are in pilot mode at the moment. We're looking to step that out over the next month or so to a broader population of brokers. We also develop, in conjunction with that, an access to a personal finance manager. You know, there is a strategic alliance there which we expect to pay dividends for us in the years to come. We've talked about Fintelligence being our 70%, 75% interest in Fintelligence, and BrokerEngine, which is a small but important part of our business moving forward, in that it provides advanced workflow management software so that all brokers across the industry are capable of using that technology. It's not an AFG-centric technology moving forward. I might jump straight across to outlook, which is on page 24. You know, what we're seeing at the moment is the residential market remains strong. The performance of AFG, which I think is important as you look through that timeline, through the mortgage residential mortgage cycle has been proven. There's been peaks, there's been troughs, but the business has continued to stay, maintain momentum and grow its business. Competition does remain high, but we believe AFG's offering remains compelling. You know, our balance sheet strength, industry-leading compliance, advocacy, analytics capability, and broader technology considerations position us, I believe, ahead of our competitors. Broking and aggregation in other asset classes will provide additional opportunities for growth. The trail book, which is something Ben mentioned before, does provide a natural hedge during lower levels of activity. Loan lives do extend, and more cash is collected from that business. We are positive about the outlook of the mortgage market, and if you combine that with the increasing number of customers electing to choose mortgage brokers as their source of financial means of accessing the mortgage market, we remain positive about how that will flow through to AFG. Our ongoing investment and capability to continue to invest in technology associated with the mortgage industry does place us in a strong position to take advantage of opportunities in a fast increasingly fast-moving sector. If I look at the next page in manufacturing and lending, you know, the funding markets remain open and attractive. We expect they'll continue to function normally. Recent term transactions translates into greater warehouse capacity, and our products continue to gain traction. Lenders have historically responded in rising interest rate environments and adjusted rates to customer to restore some level of NIM or maintain levels of NIM at the very least. One thing I think which a lot of people don't necessarily fully appreciate, but you can start seeing that coming through in terms of, you know, our performance of our book, but also the quality of our book, but also in the means of us being able to punch above our weight in terms of our footprint. Our home ground advantage, and that I call it the home ground advantage, cause it's data-driven, and it targets product development and marketing, and it's a key differentiator in terms of distribution and book performance. If I jump ahead to page 26, a slight update, a quick update in terms of trading in FY January 2022. You know, January is traditionally a very slow market for the industry. Historically, it's when brokers take their holidays to spend time with families during the school holidays. We do see those numbers slightly above, and it's understandable that they've slowed down over such a hectic year. The numbers were slightly above those experienced in FY 2021 for January. Our home loan numbers, though, were up 33% compared to the same period, and AFG Securities lodgments were 72% higher than January. Importantly, settlements were 122% higher. We're starting to see some levels of growth in the WA and Queensland markets being maintained. You know, to line up with that residential activity in January, New South Wales and Victoria were slightly off the same time last year. Turning the page to page 27, just highlighting the investment highlights. It does just go back to the timeline that we've talked about in terms of how the business has grown. I just wanted to highlight the TSR over a 3- and 5-year period in terms of returning and creating value for our shareholders. You know, the number of 135 to 185% over a 5-year period is very, very positive. The key drivers, obviously, if you look at that, has really been the AFG Securities book and also the capital light and robust balance sheet that we possess. All of this adds up to a dividend yield of around 6% at the half year, and it's been at least 5% over the last 4 years. In conclusion, I'd just like to highlight the settlement growth across the business, as well as the success of AFG's earnings diversity strategy, there's a mouthful, underpin the strong cash flow generation of the business. The residential mortgage market has started FY 2022 strongly, and the daily run rates are still remaining strong. The broker market share is obviously at record levels. Fintelligence will bring forward our ambitions to fund an additional asset class in asset finance. Our business model generates strong cash flows. As I said again, it's a capital light balance sheet and enhances our capability to maintain an excellent dividend policy. AFG Securities volumes continue to increase. We've got a loan book of over AUD 4 billion, which is a decent footprint in a growing, in a competitive marketplace. The successful shift in volume towards higher margin products will provide some NIM protection for us moving forward, and we remain well-funded to continue to grow and support our strategy. In summary, we do remain positive about the outlook of the mortgage market and the opportunity to grow in other asset classes. Our investments are aligned to accelerate this growth. With that note, I will pause and open up for questions. Thank you. If you wish to ask a question, please press star one on your telephone and wait for your name to be announced. If you wish to cancel your request, please press star two. If you're on speakerphone, please pick up the handset to ask your question. Your first question comes from Tim Lawson from Macquarie. Please go ahead. Thanks, Jan. Thanks for taking my question. Can you just comment a little bit on the aggregation margin and how you're seeing that sort of trending, with the sort of level of runoff and the level of activity on the new front book and the various mix differences you've got? I think the residential business has probably been as busy as, well, it has been as busy as it's ever been. I think we see a period of continuation of that at least for the short term. Activity on the ground is still strong. In terms of margin in relation to payout ratio, there is still competitive pressure there. We don't expect that to, I guess, flatten out just yet. There'll continue to be a little bit of pressure there as the competitive environment for brokers continues. Yeah. Just on the NIM offsets, you know, benefits on the funding side, partially offsetting or mostly offsetting the pricing. Obviously, you have some mix differences in this world. Can you just talk about the sort of outlook for your sort of funding trends and also what you're seeing on the sort of pricing side, and where you sort of think NIMs can get to in the next half? I think it remains competitive, the lending, as everyone would probably be pointing out in their results announcements. I think the change in mix to a greater portion of higher margin products will help offset that to a degree. I don't think it'll offset it completely. We have had some benefit over the last few months in terms of cost of funds. Though I'd probably expect that now to, I guess, begin to head in the other direction. We're probably at the low point in terms of cost of funds in the market right now and expect to see that step out a little bit over time. I think there'll be some pressure on NIM in the short term until there's a point where lenders look to move their rate to customer to adjust for higher cost of funds to put NIM back into their business in the medium term. I can't really give you a forecast on NIM specifically, but it's fair to say that where we are at the moment is as high as we've ever been really or pretty close to it. Will NIM go all the way back to, I guess, the sort of 130, 140 basis points that it was a few years ago? We'd like to hope not. We'd like to think we can maintain it at a level higher than that. I think that's the importance, Tim, of the diversification in terms of the product. You know, historically, the securities business has been driven purely on a prime, and it's a very competitive marketplace. So, the diversification of product and leveraging the data and the information we have to identify opportunities which generate a higher margin is an important part of our strategy moving forward. Now, in terms of debt markets, obviously, with what's going on in the Ukraine, you've seen some spreads widen in terms of more recent term deals. Investors, bless them, always looking for an opportunity to take a few extra points. These circumstances, it's probably a little understandable. We were very happy to be one of the first in the marketplace for our AUD 450 million deal, which enabled us to lock in some pricing, cause since that time, we've seen spreads widen. Just with the comment that you sort of hope to hold margins above that sort of, you know, medium-term average, so 130, 140. With that new mix, you've obviously got sort of things that might be 40 basis points above prime in terms of margin, but then asset finance can be as high as, you know, 300 or 400. I'm just trying to get a feel for how much of that, you know, benefit versus history do you think comes from mix, and particularly sort of appetite for how much of that asset finance you're willing to write and what sort of extra NIM you can get. To be clear, you can't start an asset finance securitization business in a period of six months, Tim. You know, we wouldn't expect in the short term that asset finance NIM would wash through in this half. It's probably a six- to 12 month exercise. In terms of that 40 basis points on the non-prime or, for want of a better term, non-prime business, you know, that you've seen through the charts, that percentage is continuing to grow, and it's, you know, ultimately, we'd like to get that to around about 40% of flows, I think. Last question from me, just on the. There's obviously quite a few bits of moving parts between the sort of new business, runoff, but you've also shortened the assumed loan life. Just trying to unpack that sort of gap between reported and underlying, and maybe you could call out, particularly the shortened loan life impact on that gap, and any other comments around that new business and runoff would be helpful. Yeah, I think it's fairly typical in a period of growth, Tim, and just a reflection really of the size of the business now with AUD 31 billion worth of settlements in half compared to going back in time, say, FY 2017, 2018, 2019, where we're doing sort of AUD 34 billion, AUD 35 billion in the whole year. If you look at those periods there, underlying as a percentage of reported profit is around about 85 to 86%, which is what it is now. It really is just a function of the fact that you're putting a lot of new business onto the balance sheet that you only collected a couple of months of cash from, yet you're recognizing 5 years' worth of income for. Loan life shortened slightly in this period as we see a peak in runoff as the market normalizes, you'd expect that to extend a little bit over time. But yeah, what you're seeing in the difference between underlying and reported runoff is fairly typical for a period of growth like this. Are you able to quantify the impact of the shortened loan life assumption? It's not something that we've disclosed, Tim. Sorry. Okay. Thanks. Thank you. Your next question comes from Brendan Sproules from Citi. Please go ahead. Good morning, gents. Thanks for taking my questions. Firstly, my first question is just on the outlook for settlements. Obviously, AUD 30.8 billion for the half is quite a high number. Just looking at the last 12 months, you've seen quite a change from where we were 12 months ago with obviously the last 2 months, I imagine being very strong. Do you think this is a high watermark for your residential settlements as we look forward? Oh, look, I think it's certainly been a purple patch, Brendan. You know, the flip side of that is. You know, we're comfortable in terms of our level of recruitment in our pipeline, and we factor then also the level of broker share. There are some counterbalancing elements of that. You know, the market, as everyone knows, has been red hot for a long period of time. If I look at the lodgement pipeline, obviously there's a dip in January simply because of people taking Christmas leave and so forth. The daily run rate, which feeds the number of settlements or the volume of settlements into the full year, you know, we think we're almost cooked in terms of the full year settlement number. We've probably only got one month left to go before we could probably draw a line as to where those numbers are. To be honest, what we're seeing at the moment is still strong. My second question just relates to, you know, in the next couple of years, if we do get a slowdown in the housing market, particularly if interest rates rise, which is what the market's expecting, how is your business different now in terms of I look at the, on slide 21, the 2017 to 2019 period. When the housing market did slow, you know, you did have relatively flat profit there. Is that the type of profile that we would expect in an event of a slowing market or is there other things that you think will help you grow your profit in that period? That's a good question. I think the other observation in that period is that we've had a very immature securitization business. You know, it was more reliant on the aggregation and residential broker settlement volumes, which are washing through the business. I think that's a differentiator for us where we are now. I also think the additional acquisitions or investments we've made with someone like Fintelligence enables us to access a different part of the market, which is outside of the home loan cycle. You know, I think the other thing which people sort of seem to not necessarily appreciate is that, you know, if you go to broker, if you trickle down to the 3,000 odd brokers that we have in the marketplace, you know, if the new builds aren't there or the new homeowners aren't there, the investors come in. If you know, there's opportunities to refinance. The brokers will find work and keep the wheels turning along. As you point to increasing number, you know, we've had a watershed moment with the banks shutting branches during the pandemic and people moving towards broker. You know, I think we're now at 67% of the market, which is, it's kind of an exponential jump from where it's been historically. I think those customers would have been treated well and enjoyed the experience, and I think they're customers for life now, Brendan. You know, if you factor all of those things in, we do think, you know, if you, if you look at the residential settlement volumes, unless there's a drastic reduction in home loan prices, there is some level of natural, I'll call it a CPI accretion in terms of settlements anyway, in terms of credit growth and size of loans. To say we're gonna go back to 17 and 18 type flat lining, I'm not too sure cause there's a number of moving parts. you know, you counter that by saying we have been a very much a market which has been fueled by low interest rates and a TFS. Thank you. Thank you. Once again, if you wish to ask a question, please press star one on your telephone and wait for your name to be announced. Your next question comes from Azib Khan from Morgans Financial. Please go ahead. Thank you. Thanks, David and Ben, and thanks for the opportunity to ask questions. My first question is, it looks like the run-off rate of the AFGS back book has increased quite notably in the half. Have you experienced a greater than usual amount of customer attrition in the back book in the half? Yeah, I think everyone has a bit. I think the level of competition in the market has driven run-off up for every single lender in the market, and that's why you see the loan life of the trail book come down a little bit as well. For us to be immune to that, I think we certainly couldn't say that. I think it was probably stronger earlier in the half than later. It's starting to normalize a little bit now. Has much of that attrition, Ben, been the result of refis from variable to fixed? Some of it has been, but there's also a lot of competitive, I guess variable rates in the market now. There's probably more competition around variable than fixed right now. The fixed rates have all moved out a bit. You know, we're a year into that fixed rate period where there was a lot of two-year and three-year rates locked in, and I think that's gonna present an opportunity for AFG Securities over the next year or two as those rates roll off and customers get the real shock of moving from a, say, 1.99 to a standard variable rate that could be well into the threes. Ben, you said you noticed a slowdown in the attrition rate towards the latter end of the half. Does that mean that the downward pressure on NIM from retention pricing is abating a bit now? No, I wouldn't say it's completely gone. I think there's some aggressive pricing out there that feels like lenders are, I guess, hedging their bets that there'll be a rate move or something like that in the future, and they'll be able to adjust back pricing. There is still a lot of competition out there that will present some downward pressure on NIM, but like we've touched on during the presentation, the change in mix for us is quite important and it's been quite successful over the last six months, and we can't see any reason why that can't continue into the future. Sure. On the funding side of your NIM, has there been any recent reduction in the cost of your warehouse facilities? We brought a new warehouse on towards the end of the half, and we rolled our largest warehouse in December. Those were both rolled at rates that were typical in the market at the point in time, which, you know, well, cost of funds are probably heading out a little bit now. At that point in time, they were, you know, in a robust position, I guess. With where RMBS spreads are sitting at the moment, do you expect a continued reduction in your average cost of funding? No, I think we'll find RMBS might trickle out a little bit in terms of cost of funds. I think they're probably more in line with warehouse costs now is where I'd expect them to be. So, the market's still good and strong, but will you get a cost of fund benefit of terming out in the short term? I'm not sure. Sure. Just one final question on the aggregation side. Are average upfront and trail broker payout ratios still trending up, or are they starting to plateau now? Yeah, they're still trending up slightly. I think there's a little way to play out before it plateaus. They're probably not trending up as significantly as they were three or four years ago, but it would be remiss to say that they're not still moving north slightly. Can you tell us what those levels are now, Ben, the average upfront and the average trail payout? Yep. There's a slide, where are we? Slide 12, where we've actually disclosed the residential upfront payout ratio, on that page there. You can see that, we're just under 94.5% at the moment. Now that's for all new business. Obviously, trail is set and forget for the payout ratio, so that's a little bit under that. Any new trail business, which is what drives the recognition in the P&L anyway, is at that rate. It's also just under 94.5. Yes, that's right. Okay. Thank you. Thank you. Thanks, Azib. Thank you. There are no further questions at this time. I'd now like to hand back to Mr. Bailey for closing remarks. Thanks very much, and thanks everyone for being part of the conference. I do look forward to actually meeting a lot of you in person, hopefully in the next couple of weeks when we're allowed out of our gilded cage here. Feel free to touch base with Ben or myself in the interim should there be any questions. Thanks very much and look forward to seeing you soon.