Operator Ladies and gentlemen, thank you for standing by, and welcome to the Lufax Holding Limited fourth-quarter's 2020 earnings call. [Operator instructions] Please note that this event is being recorded. Now I'd like to hand the conference over to your speaker host today, Mr. Yu Chen, the company's head of board office and capital markets. Please go ahead, sir. Head of Board Office and Capital Markets Thank you, operator. Hello, everyone, and welcome to our fourth-quarter 2020 earnings conference call. Our fourth-quarter 2020 financial and operating results were released by our newswire services earlier today and are currently available online. Today, you will hear from our Chairman, Mr.