Good afternoon, everyone, and welcome to Gjensidige's second quarter 2026 pre-close call. My name is Mitra Negård, and I am Head of Investor Relations. With me, I have our IRO, Jonas Fougner. Please note that this call is being recorded, and the recording will be published on our IR website after the call. We will start with going through the Q2 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. Over to you, Jonas. Hi, everyone. Let us start with a few key dates. Our silent period starts on the 1st of July, and our Q2 results will be released on the 13th of July. 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 sheets. We have included control lines to help you identify and avoid potential errors in your sheets. Please make sure these are error-free before sending the file back to us. The deadline for sending us your estimates is the 5th of July, and we will publish consensus on our website on the 8th of July. 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. Scandinavia has experienced above normal temperatures this quarter, along with varying levels of precipitation, including some localized cloud bursts that are typical for the season. No significant natural perils events have occurred during the quarter. As announced in our release on the 12th of June, following the Supreme Court of Denmark ruling on workers' compensation claims, we will recognize a net impact of DKK 290 million in the second quarter results. This reflects run-off losses of DKK 490 million, partly offset by reserve releases of DKK 200 million. Both will be recognized in the corporate center. The impact on the solvency ratio is around 3 percentage points. Keep in mind that the dividend for 2025 of NOK 14.5 per share was paid during the second quarter. In addition, as previously announced, we exercised the call option on the remaining NOK 713 million of our Tier 1 bond, GJF04, during the quarter. Over to large losses. The expectation for the current year is approximately NOK 580 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, as you know, random in nature, and in terms of the quarterly estimate, we simply divide the annual estimate by four. 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 run-off losses also in the future. On inflation, for the most recent comments on this topic, please refer to our first quarter 2026 presentation material. Turning to solvency, bear in mind the bond redemption that Jonas just mentioned. Note that eligible own funds at the end of Q1 included around NOK 500 million of the NOK 900 million Tier 2 bond, which we issued in October 2024. We expect the eligible amount to increase over time as the capital requirement increases, driven by growth. Please refer to our reminder for the general explanation of the main drivers behind the solvency calculations. Moving on to our investment portfolio. 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 appendix section of our quarterly presentations. Finally, on unwinding and change in financial assumptions, remember the rules of thumb. You can find an updated example spreadsheet on our website under Reports and Presentations, Other Documents. 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. Vash, please. Hey, Mitra. Thank you for the opportunity. One question I have was around the workers' comp. You note that it's a 3-point impact. I just wanted to double-check. Obviously with the workers' comp, your SCR might go up a little bit, and as a result, some of the remaining NOK 400 million of the Tier 2 debt might become eligible. Just wanted to double-check that the 3 points is after considering the new Tier 2 debt, which is eligible, or is it before that? It's before that because it's based on the solvency calculations as at the 31st of March 2026. Got it. That's really helpful. I just had a quick second one. You mentioned Storm Dave within the pre-release. Just on that, are you able to give us an understanding of which country is actually most impacted? Just a little bit of a challenge is language barrier. I'm unable to get it from the Scandinavian press. If you could just help me understand which part of Scandinavia was most impacted, that would be really helpful. As we wrote in the release, this was not a significant storm. It impacted Norway, Sweden, and indirectly Denmark, but there wasn't any significant impact. That was the intention with what we wrote in the reminder. That's helpful. Thank you. You're welcome. Alessia, please. Can you hear us, Alessia? Yes. Can you hear me? Yes, we can. A quick one on pension. The past few quarters were a bit volatile with a few one-off last year and in 1Q as well. Is there anything that we should bear in mind for this quarter, or should we use your guidance, your target that you have for the plan and then move it from there? Thanks. Well, as you know, at this point, we don't give you any update of our business. The best thing you can do is just to remind yourself of what we said around the pension business in our past quarterly report. We don't have any update on this business until we will be reporting all our numbers on the 13th of July. Thanks. You're welcome. Any other questions? No? Okay. There doesn't seem to be any further questions. Thank you everyone for your attention and have a nice afternoon.