Good day, and thank you for standing by. Welcome to the Experian's Half Year Results for the 6 months ended 30th September 2025 Webcast and Conference Call. [Operator Instructions] Please be advised ...

Hello, everybody, and welcome to our FY '24 results presentation. I'm joined, as usual, by Lloyd. He'll run through the financials after my initial overview. And also on the call today is Craig Boundy ...