Good morning. I am Ian MacDonald, Chairman of the Board of Directors of Helia Group Limited. I would like to welcome you to our annual general meeting. It is now 11:00 A.M., and I have been informed that the necessary quorum of shareholders is present at the meeting. I therefore declare the meeting open. Today, we are holding a hybrid AGM. Shareholders attending virtually will be able to view a video broadcast of this meeting, ask a question, and participate through the online platform. The notice of meeting and the virtual meeting online guide, released on ASX and posted on our website on the 27th of March, 2024, set out meeting procedures to enable attendance and participation in this meeting by virtual means. I will take the notice of meeting as read. You can find my address as chairman and the CEO's address on our website. They were also released to the market prior to the commencement of this meeting. Before I proceed with my address and the formal business of the meeting, I would like to introduce my fellow directors: Gaye McGrath, Chair of the Risk Committee, Andrea Waters, Chair of the Audit Committee, Leona Murphy, Chair of the Remuneration and Nomination Committee, and the incoming Chair of Helia Group Limited, Alistair Muir, and Duncan West, who you'll hear from later as part of the resolution for his re-election to the board. Pauline Blight-Johnston, our Chief Executive Officer and Managing Director, is also present at the meeting. Brady Weissel, our General Counsel and Company Secretary, is present, as is Carol Suriel, Senior Corporate Counsel, who will assist with the meeting procedures. Julia Gunn, the company's Audit Partner at KPMG for the 2023 year, is also present at the meeting. Ms. Gunn is available to answer questions in relation to the conduct of the audit, the auditor's report, the company's accounting policies, and the independence of the auditor. I will now explain some process for this meeting. You'll be able to ask questions on the resolutions to be voted on today. For shareholders and proxy holders attending the meeting in person, you may raise your hand to ask a question at the relevant time. For shareholders attending online, you'll be able to ask questions and cast your vote once you have registered for an electronic voting card. Please click on the Ask a Question box and follow the prompts. I encourage you to start typing now instead of waiting until later in the meeting. Shareholders attending virtually can also ask a question by by dialing 1800 497 114 or +61 2 9189 1123 from outside Australia. To do so, you must enter a unique pin issued by Link Market Services. If you don't have a phone pin and wish to ask a question over the phone, you must call Link on 1800 990 363 to get a pin. Although some shareholders are joining us by virtual means, I strongly encourage all shareholders to participate in the meeting. The online platform and phone are now both open for you to submit questions. You can submit questions at any time, up to and during question time for the item of business to which your question relates. All questions you submit through the online platform will be placed in a queue, and I will respond to those when we reach the relevant part of the meeting. We may aggregate questions if we receive multiple questions on the same topic. If you experience any technical issues using the online platform, please ring the helpline number displayed at the top of the page, and that is 1-800-990-363. If we have any technical issues today, I may need to call a short adjournment, and I will inform you by way of a market announcement. Virtual attendees will be notified by text. I will now update you on the key achievements of the company over the past year. On behalf of my fellow directors, senior management, and our entire team at Helia, I would like to thank you, our shareholders, for joining us today. 2023 was a difficult year, with many households facing significant cost of living pressures from inflation and rising interest rates. These factors persist and, combined with house price appreciation, make the dream of home ownership for many first-time buyers as challenging as it has ever been. At Helia, we remain confident in our valuable role in the homeownership ecosystem. Our commitment to helping people accelerate their financial well-being through homeownership remains unwavering. Support for lenders and a strong financial system through the... Throughout the year, we worked closely with our lender customers to help first-home buyers, upgraders, and investors overcome the barriers to purchasing a home. We are proud of the pivotal role we play in enabling the Australian housing market and supporting the strength of our financial system and the economy. Our products help people into homes by giving lenders the ability to write loans with higher loan-to-value ratios. This facilitates a more competitive home loan market, making loans more accessible to people without a 20% deposit. By transferring risk from our customers, we help insulate the economy in adverse market conditions. Our capital strength and access to global reinsurance markets contribute to financial stability. During the year, we secured Great Southern Bank as a new exclusive customer and achieved renewals for all the contracts up for review, demonstrating that our offer is resonating with our customers. Last year, Helia helped over 42,000 people to buy homes. As at December 31, 2023, we had more than 871,000 policies in force, with insurance in force of $249 billion. We are specialists in helping people enter the property market sooner, and we are proud to also help people stay in their home when they face challenges. Alongside our customers, we supported over 9,000 hardship requests last year through loan deferrals and restructures. With our belief in the benefits that homeownership provides, we are supportive of the intent behind the Federal Government Home Guarantee schemes to help more people into home ownership. However, the expansion of the schemes to offer 50,000 places has undoubtedly affected new business volumes across the lenders' mortgage insurance industry. This was particularly marked last year as volumes of high loan-to-value ratio lending were subdued. We believe that LMI and the government schemes will have the biggest impact when they are complementary in the people they help. Based on our belief in what we do, we continue to promote the positive role LMI provides in the home buying ecosystem through education materials and tools, including compelling case studies on the value LMI can provide. Complementing our core LMI business, our investments in timely and household capital help people access home loans and supported equity release so that homeowners can tap into the value that they have built in their homes. Our business remains well-capitalized with a strong balance sheet. During the year, our capital management activities returned significant capital to shareholders through ordinary and special dividends of AUD 0.59 per share and on-market buybacks of AUD 146 million worth of shares, reducing the total number of shares on issue by 13.4%. Following this sizable return of capital, our capital ratio of 1.86 times the minimum regulatory prescribed capital amount remains above the board's target range of 1.4-1.6 times. We continue to manage capital to bring Helia's position in line with the target range and deliver attractive returns to our shareholders. We are pleased that in December 2023, Helia was added to the S&P/ASX 200, reflecting the sustained increase in our share price and market capitalization. In 2023, communities across Australia were again impacted by weather-related events. Climate change is impacting the frequency and scale of natural disasters. Helia is delivering on our sustainability commitments to help mitigate the impact of physical and transition risks of climate change. We achieved net zero for our Scope one and Scope two carbon emissions, and we are developing a plan for our Scope three emissions. We are embedding environmental, social, and governance consideration across our business to enhance our resilience, minimize risks, and create long-term value for shareholders. A tangible and important way we are responding to climate change is by using data to help identify high physical risk climate locations. Climate variables are included in our risk and forecasting models to quantify the potential impact of different climate change scenarios on our business. This helps us to understand the risk and manage our exposures. Continuing to uplift our reporting and modeling capabilities to address the physical and transitional impact of climate risk remains an ongoing focus for us. We are committed to making a positive impact in the communities we serve. Supporting financial well-being and housing accessibility is a core part of our purpose. There are two ways we're delivering on this: one, through our LMI solutions and by helping to preserve access to safe and secure housing. Last year, we were proud to continue our community partnerships with the St Vincent de Paul Society, Youth Off the Streets, and Habitat for Humanity. We donated over AUD 468,000, and many of our employees volunteered, seeing firsthand the positive impacts these charities have on people experiencing homelessness and addressing educational disadvantage. The Helia board continues to be strongly committed to serving you, our shareholders. Duncan West, who has been a valuable contributor to our board for six years, is standing for re-election today and has the full support of your board. You'll have the opportunity to hear from Duncan shortly when he speaks to the resolution on his re-election. At the end of April 2024, Non-executive Director Gerd Schenkel stepped down from the Helia board following two years of service. We thank him for his contribution to Helia over that time. In January, I announced I will retire as Chairman of the Helia board at the conclusion of this meeting. It has been my privilege to contribute to the Helia board to help guide the company through significant changes, building on its impressive history. I am proud of what we achieved in 2023 and throughout my 12 years on your board, eight of those as chairman. The board has elected Independent Director Leona Murphy to succeed me as Chair following this AGM. Leona was appointed to the board on the 1st of November 2022, and is a well-qualified and experienced chair and non-executive director. In closing, I would like to thank you, our shareholders, for your support. To our customers, thank you. Together, we can help more people into homes sooner. I would also like to thank my fellow directors, the management team, and our employees for your hard work and dedication during the year. I wish you well for the future, and finally, I would like to thank our CEO, Pauline Blight-Johnston, for her commitment to Helia and leading the delivery of its purpose and strategy. I'd now like to hand over to Pauline. Thank you, Ian. Good morning, everyone. My name is Pauline Blight-Johnston, and I am Chief Executive Officer and Managing Director of Helia. As I start, I'd like to acknowledge the Gadigal people of the Eora Nation, on whose land we're hosting our meeting today, and I pay my respects to the elders, past and present, and all Aboriginal and Torres Strait Islander people here today. As Ian mentioned in his address, Helia's purpose of accelerating financial well-being through homeownership now and for the future has never felt more important than in the current environment. As both the cost of living and housing prices escalate, realizing the financial and emotional benefits of homeownership seems increasingly distant for many Australians. Helia is proud to be working with our lender customers to make this more attainable for many, and in particular, for over 42,000 homebuyers we helped in 2023. Over 2023, we saw our unwavering commitment to our lender customers and aspiring homeowners deliver results in the form of improving our already strong net customer Net Promoter Score to +79. It's a very, very strong number, particularly in the context of the financial services industry. Successfully renewing all four of our contracts with the existing lenders that were up for renewal and winning a new exclusive contract with Great Southern Bank. We're seeing the benefits from our multi-year technology transformation to modern cloud-based technology. This streamlined environment not only enhances security but improves customer connectivity and enables efficient onboarding of new customers. During the year, we integrated lenders mortgage insurance into the digital loan origination process for a growing number of customers, delivering a seamless experience and making us easier to do business with. These investments in technology and innovation resonated with customers and were recognized externally through an innovation award in the Asia Pacific region for our end-to-end digital transformation, one of only six companies to receive this honor globally. Turning now to our 2023 financial performance. As Ian mentioned, we delivered a strong financial result. We reported an underlying net profit after tax of AUD 248 million and a statutory net profit after tax of AUD 275 million, an increase of 37% from the prior year. Statutory net profit after tax was higher than underlying net profit, mainly due to unrealized mark-to-market investment gains in the shareholder portfolio. This strong profit outcome was a result of continually unusually low levels of claims and stronger investment returns, resulting from increased interest rates. The 2023 claims result of negative AUD 67 million arose as we witnessed a low level of new incurred claims, which was more than offset by releases from existing claims reserves as delinquent loans aged better than we expected. Our underlying return on equity was up 21%, up 274 basis points on the previous year's result. Disappointingly, gross written premium decreased 42% to AUD 185 million due to low levels of industry-high loan-to-value ratio lending, as well as the impact of the federal government's First Home Guarantee Schemes, as Ian mentioned. The fall in revenue for the year of 9% was more modest, given new premium revenue is recognized over the life of the policy. We have a very strong capital position, and as Ian mentioned, we are pleased to share the benefits with you, returning surplus capital to shareholders. Our 2023 results allowed us to declare dividends of AUD 0.59 per share. Our total shareholder return last year was close to 83%, the highest amongst our listed financial services peers over the last year. Turning to the early part of 2024, in our market update earlier this month, we shared that we've continued to see similar trends over the first quarter of 2024, as we saw in 2023, with a continuing benign claims experience leading to strong profitability, and ongoing weakness in written premium. Despite the headline resilience in the economy, current conditions are challenging for prospective home buyers and homeowners as they adjust to higher interest rates. Helia is proud to have supported our lender customers to offer hardship solutions to over 9,000 homeowners in need during 2023. We continue to expect claims to increase towards long-term levels and stand ready to support our customers as that occurs. We look forward to providing a further update around our performance and outlook at our half-year results in August. Performance like this can only be achieved through a capable and dedicated team. We're committed to supporting our people to realize their potential and building a diverse, equitable, and inclusive workplace. In 2023, we saw our engagement scores further increase to 80%, placing Helia in the top quartile of financial services sector. We're also pleased once again to be recognized by the Workplace Gender Equality Agency as a gender employer of choice, and to be one of very few companies in Australia to have achieved gender pay equity. Our investments in developing our people to realize their potential and their personal goals position us well to continue to build on our strong employee engagement and diversity and inclusion outcomes. In this regard, I'm particularly pleased to welcome to his first AGM as General Counsel, Brady Weissel. After many years of working alongside our previous much-loved General Counsel, Prue Milne, Brady has slotted into the role seamlessly and been a pleasure for the board and the leadership team to work with. I would like to take this opportunity to thank both Prue and Brady for their contributions to Helia over many years. Hopefully, many more to come from Brady. Helia is a time-tested business with a strong track record of navigating the ups and downs of economic cycles for almost 60 years. As we manage through this current period of economic uncertainty, Helia is privileged to continue to support Australians to achieve their dream of homeownership from a position of business and capital strength. We continue to invest in our market-leading customer solutions, technology, and people to ensure we can continue to do so for generations to come. And speaking of people, I would like to take this moment to thank Helia's retiring Chairman, Ian MacDonald, for all he has done for Helia over the last 12 years. As a director for 12 years and chairman for 8, Ian has been a passionate supporter of Helia, of LMI, and our purpose to help Australians. He has dedicated himself to ensuring the company is well-governed and delivers for all our stakeholders, and has taken a particularly keen interest in the development of our people. Ian, thank you from all at Helia for your service, and particularly from me, for the support and guidance you provided me as I transitioned into this role, and the many challenges that followed pretty soon after with COVID arriving. We will greatly miss you. We are very fortunate the board has elected from within its number, our new chair, Leona Murphy, a distinguished business leader with a knack for bringing out the best in those around her. The board, the leadership team, and I look forward to working with you, Leona, to continue to deliver excellence for our stakeholders. Finally, I'd like to thank all of our stakeholders for the unique part you each play in Helia's success. To our customers, it's our absolute privilege to work in partnership with you to help Australians to borrow for their homes. To our employees, thank you for the hard work and passion that drives each and every one of you every day, and makes my job a pleasure. To our shareholders, thank you for your ongoing support to enable us to continue to be here as Australia needs us. Now I'll hand back to Ian for the formal business of the meeting. Thank you, Pauline. At this time, I would like to give shareholders an opportunity to ask any general questions they may have. There will be an opportunity for shareholders to ask questions related to each item of business as we come to the relevant part of the meeting. We'll first take questions from those in the room, followed by questions from those using the online platform and over the phone. Shareholders who wish to ask a general question online can submit those questions now. As a reminder, please click on the Ask a Question box, select what your question relates to, type your question, and click Submit Question. Alternatively, you can use your personalized pin to ask a question over the phone. I now invite those shareholders in the room who would like to ask a question to raise their hand. Okay, I will now take questions received through the online platform. Chairman, there are no questions at this time. Thank you. I will now take general questions received over the phone. Chair, there are no phone questions. Thank you. There being no further general questions, I will now briefly run through the formalities for casting your vote. Firstly, for those of you in the room, you will have been issued with an attendance card. Yellow indicates a voting shareholder or proxy holder for the meeting. Blue indicates a non-voting shareholder. Red indicates a visitor, also non-voting. For shareholders attending online, if you do not vote prior to the meeting, you may do so using the online platform. Please click on "Get a Voting Card" and follow the prompts. Shareholders eligible to vote or their appointed proxies will be able to vote at any time during the meeting by using the electronic voting card on your screen. Live voting on the online platform will close 5 minutes after the meeting closes. Once voting has closed, all voting cards will automatically be submitted and cannot be changed. You cannot cast a vote over the phone. Shareholders who were not able to attend the meeting also had the option of casting a direct vote or alternatively appointing a proxy. As a significant number of our shareholders vote by proxy and direct voting, and we have received proxy votes or direct votes in respect of approximately 69% of our total shares, we will consider it appropriate to recognize the votes, both of those attending the meeting today and those who have voted by proxy or direct vote. Accordingly, a poll will be called for each resolution. I now declare the poll open. After each resolution has been moved, we will display the proxy and direct votes that have been cast prior to opening up the meeting to any questions before voting takes place. Where I, as chairman, have been appointed as proxy with a discretion on how to vote, I intend to vote all such shares in favor of all resolutions. The results of the poll will be declared and released to ASX as soon as possible after the meeting has concluded. There are 4 resolutions to be voted on today, and an opportunity will be given to shareholders to ask questions about each of the resolutions. The first item of business is the receipt and consideration of the company's annual financial report, directors' report, and auditors' report for the year ended 31 December 2023. The reports were contained in the 2023 annual report, which was released on ASX and Helia's website on the 27th of February 2024. Hard copies were sent to those shareholders that requested a hard copy. I will take those reports as read. There is no vote for this item, but I welcome questions. Ms. Julia Gunn, our audit partner from KPMG, is available to answer any specific questions you may have about the conduct of the audit. I confirm there have been no questions submitted in writing to the auditor prior to the meeting. I will respond to any questions specifically relating to the remuneration when we come to the resolution on the remuneration report. I now invite those shareholders in the room who would like to ask a question to raise their hand. I'll now take questions received through the online platform. Chairman, there are no questions at this time. I will now take questions on this item of business received over the phone. Chair, there are no phone questions. There being no questions, we will move to the first resolution. First resolution relates to the company's remuneration report for the financial year ended 31 December 2023. The remuneration report, which forms part of the directors' report, was released on ASX and Helia's website and sent to shareholders on request, so I will take the report as read. Further details about the resolution were contained in the explanatory note that accompanied the notice of meeting. I'll remind shareholders that this vote is advisory only and is not binding on the company. However, please be assured the board does take into consideration the feedback we receive from shareholders. Before putting the resolution, I would like to advise shareholders that the company will disregard any votes, as stated in the voting exclusion statement, related to Resolution One, as set out in the notice of meeting. The directors unanimously recommend that shareholders vote for the resolution. I now put Resolution One, and the wording for this resolution appears on your screen, along with the proxy and direct votes received in relation to this resolution. I now invite those shareholders in the room who would like to ask a question to raise their hand. I'll now take questions received through the online platform. Chairman, there are no questions at this time. I'll now take questions on this item of business received over the phone. Chair, there are no phone questions. There being no questions, we will move to voting on Resolution One. Firstly, for those in the room, the persons entitled to vote on this poll are shareholders, representatives and attorneys of shareholders, and proxy holders who hold yellow cards. On your yellow card is a section titled "Poll Voting," which details each of the resolutions being put to this meeting. Please record your vote by placing a mark in the "For," "Against," or "Abstain" box against Resolution One on each card that you are holding. The barcode on the voting card is personalized, and so you'll be able to vote the number of shares held as at the record date. You must lodge your voting card for your votes to be counted. Please hold onto your card to vote on the next resolution. Your voting card will be collected after the final resolution has been voted on. For those attending online, to submit a full vote in respect of all your shares, please ensure you are in the Full Vote tab, and record your vote by clicking either the For, Against, or Abstain box against Resolution One on your electronic voting card. To submit a partial vote, please ensure you're in the Partial Vote tab. You will then be able to enter the number of shares you would like to vote for the resolution. The total amount of votes you are entitled to vote will be listed under each resolution. If you're a proxy holder and have only directed votes for and/or against, please submit your vote by clicking or marking either the For or Against box against Resolution One. If you're a proxy holder with open votes, you need to click or mark either the For, Against, or Abstain box against Resolution One to indicate how you wish to cast any open votes. Where I, as chairman of the meeting, have been appointed as proxy for a member entitled to vote, as detailed in the notice of meeting, I will vote all undirected proxies in favor of all resolutions. I will pause briefly while you cast your vote. Thank you. I will now move to Resolution Two, relating to the grant of share rights to Helia's Chief Executive Officer and Managing Director, Pauline Blight-Johnston. Shareholder approval is being sought for all purposes, including for the purpose of ASX Listing Rule 10.14, to grant to the company's CEO and Managing Director, Pauline Blight-Johnston, 348,645 share rights in the company under the Helia Share Rights Plan and any additional share rights representing notional dividend equivalents for each of the following plans: Deferred STI 23, LTI 21, LTI 22, and LTI 23, each in accordance with the Share Right Plan Rules and as described in, and as described in the explanatory notes accompanying the notice of the 2024 Annual General Meeting. The grant of share rights under the Share Rights Plan will allow Ms. Blight-Johnston to obtain ordinary shares in the company. Further details about the resolution and the terms and conditions of the grant of share rights were contained in the explanatory notes that accompanied the notice of meeting. Before putting the resolution, I would like to advise shareholders that the company will disregard any votes, as stated in the voting exclusion statement, related to Resolution Two, as set out in the notice of meeting. The directors, with Ms. Pauline Blight-Johnston abstaining, recommend that shareholders vote for the resolution, for Ms. Pauline Blight-Johnston does not make a recommendation in respect to the resolution in view of a personal interest in the resolution. I now put Resolution Two, and the wording for this resolution appears on your screen, along with the proxy and direct votes received in relation to this resolution. I now invite those shareholders in the room who would like to ask a question to raise their hand. I'll now take questions received through the online platform. Chairman, there are no questions at this time. Thank you. I will now take questions on this item of business received over the phone. Chair, there are no phone questions. Thank you. There being no questions, we will move to voting on Resolution Two. The voting instructions are the same as for the previous resolution. Please record your vote by clicking or marking the For, Against, or Abstain against Resolution Two on your voting card. Thank you. I will now move to Resolution Three, relating to the approval of further possible on-market share buybacks. Shareholder approval is being sought for the purposes of Section 257C of the Corporations Act 2001, Commonwealth, and for all other purposes, to approve the company buying back up to 60 million of the company's issued ordinary shares, representing approximately 20% of the company's issued shares as of the date of the notice of meeting, in the form of one or more on-market share buybacks, to be conducted over a period of up to 12 months from the date of the 2024 Annual General Meeting. While the company seeks the flexibility to buy back up to 60 million of its issued shares, there is no guarantee that the company will buy back the full amount. The company may buy back fewer than 60 million ordinary shares, and the implementation and timing of the buyback program and the actual number of shares acquired will depend on market conditions. The directors recommend that shareholders vote for the resolution. I now put Resolution three, and the wording for this resolution appears on your screen, along with the proxy and direct votes received in relation to this resolution. I now invite those shareholders in the room who would like to ask a question to raise their hand. I'll now take questions received through the online platform. Chairman, there are no questions at this time. Thank you. I'll now take questions on this item of business received over the phone. Chair, there are no phone questions. There being no questions, we'll move to voting on Resolution Three. The voting instructions are the same as for the previous resolution. Please record your vote by clicking or marking the For, Against, or Abstain box against Resolution Three on your voting card. Thank you. I now turn to Resolution Four, the re-election of Duncan West as a director. Duncan was appointed to the board on the first of September, 2018, and last re-elected at the 2022 AGM. Duncan has more than 30 years of insurance industry experience, having held senior executive positions at Royal & SunAlliance, Promina Group Limited, CGU Limited, and MLC Limited. Duncan is a graduate of the Australian Institute of Company Directors, a fellow of Chartered Insurance Institute, and a Senior Associate of the Australia and New Zealand Institute of Insurance and Finance. He held a Bachelor of Science in Economics from the University of Hull in the U.K. Duncan is also currently a director of Suncorp Group Limited and Challenger Limited. Duncan is a member of the Risk Committee. Brief summary of Duncan's experience and qualifications are set out on page 12 of the notice of meeting. The re-election of Duncan is unanimously recommended by all the other directors of Helia. I would now like to ask Duncan to say a few words. Thanks, Ian, and good morning, fellow shareholders. It has been a pleasure to be able to serve you as director for the past five and a half years. I joined the Helia board because I am passionate about the role we can play in helping Australians get into the housing market. Over the last five years, we have collectively worked our way through COVID, followed by changing economic environment marked by high inflation, higher interest rates, and tight housing supply. These factors have had a significant impact on both the Australian community and your company. During my time on the board, I have served as Chair of the Capital Investments Committee, Chair of the Remuneration and Nominations Committee, and now as a member of the Risk Committee. I have sought to bring my deep experience of insurance and business more broadly to bear to the many complex judgments and decisions we have had to make. I hope that I have helped to contribute to the strong position Helia finds itself in today, and if re-elected, I commit myself to continuing to serve in the interests of you, our shareholders, and all stakeholders. Thank you. Thank you, Duncan. I now put Resolution Four, and the wording for this resolution appears on your screen, along with the proxy and direct votes received in relation to this resolution. I now invite those shareholders in the room who would like to ask a question to raise their hand. I'll now take questions received through the online platform. Chairman, there are no questions at this time. I'll now take questions on this item of business received over the phone. Chair, there are no phone questions. There being no more questions, we will move to voting on Resolution Four. The voting instructions are the same as for the previous resolution. Please record your vote by clicking or marking the For, Against, or Abstain box against Resolution Four on your voting card. Thank you. Is there any other business pertaining to the shareholding that a member wishes to bring before the meeting? If so, please raise your hand, or for those shareholders joining us online, please submit your question through the Ask a Question box. Thank you. As there is no other business to be brought before the meeting at this time, I would like to ask shareholders to finalize and submit their voting cards. Poll results will be released to the market via the market announcement platform and will be available on the Helia website as soon as possible, which is expected to occur later today. Before I close the meeting, I would like to thank everyone who has contributed to holding this meeting. I now declare the meeting and poll closed, and thank you for your attendance at the 24 Annual General Meeting of Helia Group Limited. Finally, it's my pleasure to pass the role of chair to Leona Murphy going forward, as I know you'll be in very good hands. Thank you.