As we saw in the second quarter, income lines related to financial markets are affected by market turmoil but with a stabilisation of net trading income on the back of calibrated risk appetite at Large Corporates & Institutions. We continue to launch new solutions to make Danske Bank more digital and convenient for personal customers. For instance, we implemented digital signing of mortgages in Sweden, and in Denmark, we saw good interest in loan products targeted at home energy efficiency improvements. We continue to build even more features into the 'bank in your pocket', and 9 of 10 customers now use our mobile banking apps. Our efforts to remain a leader within sustainability continue. In September, Position Green, an independent consulting firm, studied how well businesses in the Nordic countries report on their sustainability efforts, and among the 100 largest listed businesses in Denmark, Danske Bank and just seven others received a mark of "outstanding" for their sustainability reporting.