Oct 24, 2019 / 01:30PM GMT
Peter Hermann - Topdanmark A/S-CEO&Member of Executive Board
Good afternoon, everybody, and good morning to the U.S.A., and thank you for joining us at this conference call. With me is the CFO, Lars Thykier; and Steffen Heegaard from Group Communications and IR Director. We are holding this conference because earlier today, we published our results for the Q1 to Q3 2019.
So now we are ready to answer your questions. Please ask them one at a time. And operator, may we have the first question, please.
Questions and Answers:
Operator(Operator Instructions) So our first question is over to the line of Mads Thinggaard at ABG.
Mads Thinggaard - ABG Sundal Collier Holding ASA, Research Division - Research Analyst
This is Mads from ABG. The first one is on what you would call the adjusted claims rates, you're up, at least 270 basis points year-over-year. You mentioned a lot of elements here. Water pipes, workers' comp and, of course, also, the discounting rate
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