i'm very happy to say johan torgeby joins us. good morning.e numbers come in, 10.5 billion swedish ckrona. what do you think the investment community are missing? >> i don't think they're missing anything. what's been true the last seven or eight quarters are significant and the income is a quite robust and sustainable income type, and we actually came in on par with that expectation. so that would be my skplec nation, even though i haven't followed the stock very closely, but we were prepared as the major beat came on different types of income types that are regarded broadly speaking as less robust for the future. >> this is a question that i wanted to put to you, and perhaps we can unpack that a little further, roy your expectations are for net income. just a short while ago i had a conversation with the governor. it does seem like they have a few more hikes left in them, but what is the outlook for 2024 in terms of where the rates can go and what impact it will have on the broad banking sector. >> first i'd like to point out the majority of