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Thank you for standing by, and welcome to the IAG update conference call. (Operator Instructions)
I would now like to hand the conference over to Mr. Nick Hawkins, Managing Director and CEO. Please go ahead.
Welcome, everybody, and thanks for making time to join us. I'm also here with Michelle McPherson, our Chief Financial Officer. And today, I'm joining you from Camargo land. I want to pay my respects to elders past, present and emerging.
I'm going to talk through today the key elements from the announcement that we made this morning, and then we can move to Q&A. We have scheduled 45 minutes for this call, acknowledging that some of you may need to leave earlier.
For sort of context, as we've moved closer to finalizing our year-end financials, we've taken a view on strengthening some of our long-tail reserves and also increasing certain provisions that we wanted to update the market on. So that you then have context around those movements. We also
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