Question-and-Answer SessionSo maybe starting with the macro side of things, I think William said last week, the U.K. macro backdrop is uninspiring, but not unsupportive. I hope I'm not misquoting him, but do you think there is a risk that we focus too much on the uninspiring and not enough on the not unsupportive? Because if I look at unemployment and credit quality, all of that is still looking quite supportive. And are there any other areas that you think are actually more supportive than we give it credi ...