Good morning, and welcome to the quarter for 2021 presentation of the results for Insr. My name is Niclas Ward. I'm the CEO of the company, and I'm joined by Hans-Petter Madsen, the CFO. We will go through this material, and there will also be an opportunity for questions at the end. You can already now start asking the questions that you might have. If you want to do that, you move the mouse over the video, and then you will get the question icon, click on that, and write your question. You can of course write questions also after the presentation. There is, however, a bit of a one-minute lag, so it's preferable if you can write them as soon as possible. You can take the next slide, please. In this presentation today, I will start with an overview of the highlights, and then Hans-Petter will go into the financial review, and then I will end with the outlook summary and conclusion of where we are at this moment. If you take the next slide, please. First, if we focus on the numbers for quarter four and 2021, quarter four was a loss of NOK 56 million, and 2021 in total a loss of NOK 120 million. This is naturally a consequence of that Insr during the entirety of 2021 was in the process to wind down the insurance business that has naturally led to much lower incomes, while still there's been costs to run the wind down process. Two main topics to mention in quarter four are a loss from receivables from partners and reinsurers that in quarter four was NOK 28 million and for the whole of 2021, NOK 30 million. This is due to that the financial situation of some partners has proven to be worse than expected, and also that there were some challenges in connection with the transfer of the historical insurance business to Darag. On the positive side, in quarter four, has been a positive result contribution from the portfolio transfer to Storebrand, 7 million, and for the whole of 2021, that number is NOK 58 million. This is thanks to a very successful transfer of customers from Insr to Storebrand, which both we and Storebrand are very pleased to have achieved. At the end of 2021, both the solvency ratio and the MCR margin were below 100%. Since Insr is about to hand back the insurance license, this is not seen as the challenge it would have been if it would have been a continuous insurance business that the company was running. If you move to the next slide, please. Here we look a bit at the milestones that have been reached during the entire wind down process of the insurance business, which started then in the end of 2020. From the beginning of December 2020 to the end of November 2021, all active customers have been transferred to Storebrand, and that transfer was then completed at the end of November last year. AmTrust has taken over most of the specialty insurances that Insr had earlier. The Norwegian Natural Perils Pool has been transferred to Storebrand. The remaining historical risks that were in the company were transferred to Darag on the 14th of January 2022. That was this year, and that was then after the approval was given by Norwegian and German financial authorities. From the 14th of January this year, Insr holds no insurance risk. We're in the process to return the insurance license, and that process is expected to be completed shortly. Insr has also yesterday applied for a delisting from the Oslo Stock Exchange based on the decision that was taken by the extraordinary general assembly last week. If you move to the next slide, please. I will now give the word to Hans-Petter, who will take us through the financials more in detail. Over to you, Hans-Petter. Thank you, Niclas. The next slide. Of course, all the figures now is quite small compared to when we have insurance risk and then we was an operating company. We had just a small premium income related to the short period until beginning of December when we didn't earn any gross premium anymore. As Niclas mentioned, we're pleased with the income that we have received from Storebrand. We have, since the portfolio has reached a milestone, we also get additional commission on top of the one that we had earned earlier on. It was also a little bit bonus on the last leg of the fourth quarter. When it relates to the operating costs, of course, we now are in a situation where most of the employees that was within the company when we started the wind-down process are out, besides being able to reduce the overall cost also on the IT side. As Niclas mentioned, especially this quarter, we have booked losses related to partners and to reinsurers of NOK 28 million. The total net result for this quarter was negative with NOK 58 million. Let's go to the next slide and look at the balance sheet. Since we didn't get the approval from the NFSA before New Year, we still have insurance risk within the balance sheet. This is netted out with the part that Darag has taken over. The insurance risk in net is zero in the balance sheet. We have still some receivables, especially now related to reinsurance, and that will be the main focus going forward to finalize that, and there is also where the most of the risk for reaching the goals is to be able to collect all that amount. The total equity at the end of fourth quarter was NOK 41 million. We also have subordinated loans with NOK 75 million that still is running. Back to you, Niclas. Thank you, Hans-Petter. To take the last part then, if we move to the slide with the headline going forward, please. Just going through the key steps from where we are and going forward. As already mentioned, Insr has applied for a delisting from the Oslo Stock Exchange. As Hans-Petter mentioned, one important work going forward is collect the remaining receivables from both former partners, but also from reinsurers. We continue to close down IT systems. That is a process that has been ongoing during the entire wind down process, where system after system has been closed. But there is of course a few left that we need to work with going forward. There are some business contracts that are remaining and that should be closed. I think it's fair to point out that in some of those there are challenges either with a conflict or that the partner is bankrupt. There is an uncertainty there about how long that process will take. There is a continuous downsizing of the manning to secure that we both deliver on what is needed, but also do that with the capacity that is needed for this not to draw on any extra costs. The hypothesis that we are working on, as long as we don't have any other solution, is a closure of the company. That's of course something that the shareholders would eventually decide, should that be the case. If there is a closure of the company, the remaining funds that are left will then of course be distributed to the shareholders. If you move to the next slide, this is a summary and conclusion of where we are. To sum up, all the risks or insurance risk that were in Insr earlier has now been transferred out from Insr and the insurance license is about to be returned. The application to delist Insr from the Oslo Stock Exchange has been sent. The most likely next steps are to close the company. Although if there are any possible alternatives that present themselves, that will of course be reviewed. should be mentioned, as was also mentioned in quarter three, that there have been several options reviewed during the entire process from the summer of 2020 and onwards, but thus far none of them have materialized. Based on the situation that the company is in right now, the most likely development seen from the administration and board is a closure of the company. If you look at sort of the potential value of the company after the license is returned, it would naturally be in the deferred tax losses from the company. This was also pointed out in quarter three that the likelihood that any of these potential values will be made available to the shareholders are both uncertain and constrained by the tax regulations. If we look at what is the expected end game, that is a small positive net equity, yet below 50% of the equity at the end of 2021. To be clear there, as Petter mentioned on the previous slide, that equity was then NOK 41.4 million. Also very important to point out that there is still a range of outcomes, some which would be challenging. That ends the presentation part of this meeting, and I turn to moderator Gunnar to see if there are any questions that have come. We don't have any questions at the moment, so please ask if you have any. Yeah. As I mentioned earlier, there is a one-minute lag on when questions come, so we'll give you time to ask questions and in the meantime we'll just wait. Yeah, still no questions, Niclas, so. Yeah, I see that. Let's just give it a little bit more time so we are really sure that we don't miss any question because that's well, now about two minutes have passed, so I think that should have been sufficient to write the question. If any of you watching this would have any question that you either were not able to ask in the meeting or would arise later, of course, you can always contact us and then we will do our best to answer that within, of course, the possibilities that we have to do that. With that, we conclude the presentation of the quarter four and 2021 results for Insr, and thank you all for watching this morning. Take care.