Good afternoon, everyone, and welcome to Gjensidige Forsikring's third quarter 2025 pre-close call. My name is Mitra Negård, and I am Head of Investor Relations. With me, I have our Investor Relations Officer, Jónas Fónir. Please note that this call is being recorded, and the recording will be published on our IR website after the call. I will start with going through the Q3 reminder, which was published on our website yesterday. This reminder highlights relevant public information and will not include any new business updates. Afterwards, we will open up for a Q&A session. As always, we only answer questions related to already disclosed and public information. Please note that if you want to ask questions, you need to log on via the Teams app. Let us start with a few key dates. Our silent period starts on the 1st of October, and we will be releasing our third quarter results on the 24th of October. As always, we kindly ask you to forward your estimates using the template I sent you yesterday. Please fill in all open cells in the sheet as always. We've included control lines to help you identify and avoid potential errors in your sheet. Please make sure the control lines are error-free before sending us the file back. The deadline for sending us your estimates is the 10th of October. We will publish consensus on our website on the 17th of October. Now let's move on to the reminder. As usual, we start with comments on the weather. For the sake of good order, we always remind you of the seasonality in our business, with the summer quarters Q2 and Q3 normally having lower claims ratios than the winter quarters Q1 and Q4. There have been no significant natural perils events in Scandinavia so far this quarter. Overall, Q3 2025 in Scandinavia has been somewhat warmer and drier than historical normals, though with some regional and month-to-month variations. We have experienced a few instances of torrential rain in Norway and a summer storm in Norway and Denmark. Always bear in mind the results for the comparable period last year. As you saw in our Q3 2024 report, the results included a write-down of NOK 123 million related to the agreement on the sale of ABG. This is our Baltics business. The write-down was recognized in the Other Items line. The next reminder is regarding the termination of Core Suite, the core IT system for our pension business. As announced in the Stock Exchange release on the 18th of September, implementation of the system is discontinued. This will impact profit before tax for the pension business in the group accounts by approximately NOK 400 million in Q3 2025. Please note that this will not impact the group's eligible owned funds in the Solvency II calculation. As announced on September 11 and 12, we have issued a new Tier 1 bond of NOK 1.2 billion and bought back NOK 489 million in another Tier 1 bond. As communicated earlier, the results for ADB Gjensidige, our Baltics business, are presented separately in the group accounts as profit/loss from discontinued operations until completion of the transaction, which we expect will take place at the latest in the beginning of 2026. Over to large losses, the expectation for 2025 is, as we have communicated earlier, approximately NOK 500 million per quarter. For the sake of good order, please note that this figure is an estimate and not a guiding per quarter. Large losses are random in nature, and in terms of quarterly estimate, we simply divide the annual estimate before. In terms of excess reserves, there is no change in the communication. We continue to set reserves according to our best estimate. Bearing history in mind, we expect run-off gains and losses also in the future. On inflation, we will, as per routine, provide an update at our earnings call. Please see a reminder for references to the relevant slides and pages in the Q2 2025 quarterly presentation and report. Moving to solvency, as usual, we have listed the main items for the eligible funds and the capital requirement in the reminder. Remember that the eligible funds at the end of the second quarter this year included approximately NOK 510 million of the NOK 900 million Tier 2 bond we issued in October last year. We expect the eligible amount of the Tier 2 loan to increase over time as capital requirement increases, driven by growth. Also, bear in mind the solvency impact from the new Tier 1 loan I just mentioned. The net increase in owned funds from the new loan and the buybacks is NOK 711 million and will be included in the Q3 calculation of owned funds. Moving on to our investment portfolio, as always, we believe a good starting point for estimating returns is using the same asset allocation as the previous quarter, applying returns on the indices we have listed in the reminder. Finally, on unwinding and changing financial assumptions, remember the rules of thumb and the example calculations published on our website. As per routine, our reminder includes updated swap rates. With that, we will now open up for questions. Please raise your hand, and we will open your line. There doesn't seem to be any question, so thank you very much for your attention and have a nice afternoon, everyone.