Board of Directors

Tomás Muniesa

Chairman

Tomás Muniesa born in Barcelona in 1952; He has been Chairman of CaixaBank since January 2025.

Mr. Tomás Muniesa Arantegui holds a Degree in Business Studies and a Master's Degree in Business Administration from the ESADE Business School.

He joined ‘la Caixa’ in 1976 and was appointed Deputy General Manager in 1992 and General Manager of Insurance and Asset Management of CaixaBank from 2011 until November 2018. Besides, he has been executive Deputy Chairman and CEO of VidaCaixa, from 1997 to November 2018.

Mr. Muniesa is currently Chairman of CaixaBank and member of the ESADE Foundation Board of Trustees.

Previously, he served as the Chairman of MEFF (Sociedad Rectora de Productos Derivados) and Deputy Chairman of VidaCaixa and SegurCaixa Adeslas and of BME (Bolsas y Mercados Españoles), Second Deputy Chairman of UNESPA, Director and Chairman of the Audit Commission of the Insurance Compensation Consortium, Board Member of Vithas Sanidad SL, board member of Allianz Portugal and Substitute Board Member of Grupo Financiero Inbursa in Mexico.

Last updated: January 2025

María Amparo Moraleda

Deputy Chairwoman

María Amparo Moraleda (Madrid 1964) has been a member of the Board of Directors of CaixaBank since 2014.

She graduated in Industrial Engineering from the ICAI and holds an MBA from the IESE Business School.

She is an Independent Director at several companies: Airbus Group, S.E. (since 2015), Vodafone Group (since 2017) and A.P. Møller-Mærsk A / S A.P. (since 2021).

She is also a member of the Advisory Board of the following companies: SAP Ibérica (since 2013), Spencer Stuart (since 2017), Kearney (since 2022) and ISS España. She was on the Board of Spain's High Council for Scientific Research (CSIC) (from 2011 to 2022). 

Between 2012 and 2017, she was a member of the Board of Directors of Faurecia, S.A. and member of the Advisory Board of KPMG España (since 2012), and between 2013 and 2021, she was on the Board of Directors of Solvay, S.A. 

Between January 2009 and February 2012, she was Chief Operating Officer of Iberdrola SA's International Division with responsibility for the United Kingdom and the United States. She also headed Iberdrola Engineering and Construction from January 2009 to January 2011. 

She was Executive Chairman of IBM Spain and Portugal between July 2001 and January 2009, responsible for Greece, Israel and Turkey from July 2005 to January 2009. Between June 2000 and 2001, she was assistant executive to the President of IBM Corporation. From 1998 to 2000, she was General Manager at INSA (a subsidiary of IBM Global Services). From 1995 to 1997, she was Head of HR for EMEA at IBM Global Services and from 1988 to 1995 she held various offices and management positions at IBM España. 

She is also a member of various boards and trusts of different institutions and bodies, including the Real Academia de Ciencias Económicas y Financieras, the Academia de Ciencias Sociales y del Medio Ambiente de Analucía, the Board of Trustees of the MD Anderson International España, the Vodafone Foundation, the Airbus Foundation and the Curarte Foundation. 

In December 2015, she was named full academic member of Real Academia de Ciencias Económicas y Financieras. 

In 2005, she was inducted into the Women in Technology International (WITI) Hall of Fame, which recognises the people in the world of business and technology who have made the greatest impact on the inclusion and contribution of women in technology development worldwide. She has also received numerous accolades, such as: the Values Leadership Award (FIGEVA Foundation – 2008), the Javier Benjumea Prize (Engineering Association of the ICAI – 2003) and the Award for Excellence (Spanish Federation of Female Directors, Executives, Professionals and Entrepreneurs – Fedepe – 2002).

Last updated: December 2024

Gonzalo Gortázar

CEO

Gonzalo Gortázar, born in Madrid in 1965, has been CEO of CaixaBank since June 2014.

Mr Gortázar holds a dual degree in Law and Business from Universidad Pontificia de Comillas (ICADE) and an MBA with distinction from the INSEAD Business School.

He is also currently Chairman of VidaCaixa and CaixaBank Payments & Consumer and board member of Banco BPI.

Mr Gortázar served as CaixaBank's Chief Financial Officer prior to being appointed CEO in June 2014. Before that, he was CEO of Criteria CaixaCorp between 2009 and June 2011. From 1993 to 2009, he worked at Morgan Stanley in London and Madrid, holding several posts in the investment banking division and leading the European Financial Institutions Group until he joined Criteria in mid-2009. Previously, he held various corporate and investment banking positions at Bank of America.

He has been First Vice-Chairman at Repsol and a board member of Grupo Financiero Inbursa, Erste Bank, SegurCaixa Adeslas, Abertis, Port Aventura and Saba.

Last updated: April 2025

Eduardo Javier Sanchiz

Lead Independent Director

Eduardo Javier Sanchiz Irazu was born in Vitoria in 1956. He has been a member of the CaixaBank Board of Directors since 2017 and the Lead Director from 2023.

He holds a degree in economics from the University of Deusto, San Sebastián campus, and a Master's Degree in Business Administration from the Instituto Empresa in Madrid.

He was CEO of Almirall from July 2011 until 30 September 2017. During this period, the company underwent a significant strategic transformation with the aim of becoming a global leader in skin treatment.

Previously, after joining Almirall in May 2004, he was Executive Director of Corporate Development and Finance and Chief Financial Officer. In both positions, Mr. Sanchiz led the company's international expansion through a number of alliances with other companies, and through licensing of external products, in addition to five acquisitions of companies and product portfolios. He also coordinated the IPO process in 2007.

He has been a member of the Almirall Board of Directors since January 2005 and a member of the Dermatology Committee since its creation in 2015.

Prior to joining Almirall, he worked for 22 years (17 outside Spain) at Eli Lilly & Co, an American pharmaceutical company, in finance, marketing, sales and general management positions. He was able to live in six different countries and some of his significant positions include General Manager in Belgium, General Manager in Mexico and, in his last position in the company, Executive Officer for the business area that encompasses countries in the centre, north, east and south of Europe.

He is a member of the Board of Directors of the French pharmaceutical company Pierre Fabre, S.A. and member of its Strategy Committee, as well as its Audit Committee. He is also a member of the Board of Directors of the venture capital company Sabadell Asabys Health Innovation Investments 2B S.C.R., S.A. and member of the Advisory Board of the Biotechnology Institute, S.L.

Last updated: December 2024

Luis Álvarez

Director

Luis Álvarez, born in Madrid in 1961. He has been a member of the CaixaBank Board of Directors since 2025.

He is a Telecommunications Engineer, having studied his degree at the Polytechnic University of Madrid.

He is currently Country Manager for Spain at NEORIS, a global technology consulting, digital transformation and artificial intelligence company. In addition, Mr. Álvarez is non-executive Chairman of several companies in the field of infrastructure and submarine cables: Eagle Crest Telecoms Ltd., Islalink Holding Sociedad Limitada and Balalink SAU.

He was CEO of SIA (Sistemas Informáticos Abiertos) from January 2020 to July 2022, an Indra Group company specializing in cybersecurity, with a multinational scope. Previously, he was an independent consultant in the field of technology services and digital transformation projects, and for almost 20 years he has held different positions in BT Global Services, a multinational technology services provider, holding the position of CEO of the company from 2012 to 2017. Previously, and since the beginning of his professional career, he worked as telecommunications engineer in different companies such as Grupo Santander, IBM and Ericsson.

Last update: May 2025

Fernando María Ulrich

Director

Fernando Maria Ulrich, born in Lisbon in 1952. He has been a member of the CaixaBank Board of Directors since 2021. 

Degree in Business and Economics from the Higher Institute of Economics and Management at the University of Lisbon. 

Currently, and since 2017, he is a non-executive Chairman of Banco BPI, S.A., a subsidiary of the CaixaBank Group, having previously held various senior positions in Banco BPI and the group, working as the managing Director of the company from 2004 to 2017. 

He was also a non-executive Chairman of BFA (Angola) (2005-2017); member of the Board of Directors of APB (Portuguese Banking Association) (2004-2019); Chairman of the General and Supervisory Board of the University of Algarve, Faro (Portugal) (2009-2013); non-executive Director of SEMAPA, (2006-2008); non-executive Director of Portugal Telecom (1998-2005); non-executive Director of Allianz Portugal (1999-2004); non-executive Director of PT Multimedia (2002-2004); member of the Advisory Board of CIP (Portuguese industrial confederation) (2002-2004); non-executive Director of IMPRESA and SIC, a Portuguese media conglomerate (2000-2003); Deputy Chairman of the Board of Directors of BPI SGPS, S.A. (1995-1999); Deputy Chairman of Banco de Fomento & Exterior, S.A. and Banco Borges & Irmão (1996-1998); member of the Advisory Board for the Treasury Reform (1990/1992); member of the National Board of the Portuguese Securities Market Committee (1992-1995); executive Director of the Banco Fonsecas & Burnay (1991-1996); Deputy Chairman of the Banco Portugués de Investimento (1989-2007); executive Director of Banco Português de Investimento (1985-1989); assistant manager of Sociedade Portuguesa de Investimentos (SPI) (1983-1985); chief of cabinet of the Ministry of Finance of the Government of Portugal (1981-1983); member of the Secretariat for Economic Cooperation of the Portuguese Ministry of Foreign Affairs (1979-1980), and member of the Portuguese delegation to the OECD (1975-1979). Responsible for the financial markets section of the newspaper Expresso (1973-1974) 

Last updated: December 2024

María Verónica Fisas

Director

Born in Barcelona in 1964, Verónica Fisas has served on the Board of Directors of CaixaBank since February 2016.

She holds a degree in Law and a Master in Business Administration. She joined Natura Bissé very early in her career, thus acquiring extensive knowledge of the company and of all its departments.

She has been the CEO of the Board of Directors of Natura Bissé and the General Director of the Natura Bissé Group since 2007. Since 2008, she has also been a trustee of Ricardo Fisas Natura Bissé Foundation.

In 2001, as the CEO of the United States subsidiary of Natura Bissé, she was responsible for the expansion and consolidation of the business, and obtained outstanding results in product distribution and brand positioning.

In 2009 she joined the Board of Directors of Stanpa, Asociación Nacional de Perfumería y Cosmética, becoming Chair the Board of Directors of Stanpa in 2019 and, in turn, Chair of Fundación Stanpa.

She received the Work-Life Balance Award at the 2nd Edition of the National Awards for Women in Management in 2009, and the IWEC Award (International Women’s Entrepreneurial Challenge) for her professional career, in 2014.

In November 2017, Emprendedores magazine named Verónica Fisas as 'Executive of the Year'.

Last updated: December 2024

Pablo Arturo Forero

Director

Mr. Pablo Arturo Forero, born in Madrid in 1956. He has been a member of the CaixaBank Board of Directors since 2025.

He holds a degree in Economics, with a speciality in macroeconomics, from the Autonomous University of Madrid. 

He is currently non-executive Chairman of CaixaBank Asset Management, SGIIC, S.A., a subsidiary of CaixaBank, S.A. a position he has held since June 2021, and he also is independent director of the Portuguese company Grupo Jose de Mello since June 2021.

Previously, he has been independent director and Chairman of the Risk Management Committee of HSBC Continental Europe, a subsidiary bank of HSBC Holdings plc (2023-2025). From 2017 to 2020, he served as Chief Executive Officer and Executive Vice Chairman of Banco BPI, S.A. (Portugal). Previously, he held the position of Chief Risk Officer at CaixaBank (2013-2016); Director of Treasury, Capital Markets and Asset Allocation (2011-2013), Investment Director of asset management operations as well as investment advisor for the company's insurance business (2009-2011).

During his professional career, he has also held positions at JP Morgan Asset Management UK, where he was a member of the Management Committee and the Investment Committee; Head of Asset Management in Spain at JP Morgan Spain; Head of Markets and ALCO at the Spanish branch of Manufacturers Hanover Trust Co, an American investment bank. He began his professional career at Arthur Andersen & CO Spain, holding various positions in the audit department

Last updated: June 2025

Rosa María García

Director

Rosa María García Piñeiro, born in Villalba (Lugo) in 1974, has been a member of the Board of Directors of CaixaBank since April 2025.

She has a Degree in Industrial Engineering and a Master's in Industrial Organisation and Management from the University of Vigo, a Master's in Environmental Engineering from the School of Industrial Organisation in Madrid, and a Master's in Business Administration and Management from the University of Geneva.

She is an independent director at several companies: ACERINOX, S.A. (since 2017), member of its Executive Committee and Chair of its Sustainability Committee; Ence Energía y Celulosa, S.A. (since 2018), member of the Audit Committee and Chair of the Sustainability Committee and PowerCo SE (since 2022).

She is also Chair of the Advisory Board of the Geneva Centre for Business and Human Rights, an educational centre affiliated with the Geneva School of Economics and Management (GSEM); member of the Advisory Board of Blossom, a communications company primarily focused on sustainability and based in Geneva (Switzerland), and advisor to the Impact Committee of the Canadian venture capital fund, Circular Innovation Fund.

She previously built her professional career mainly at the ALCOA Group since 1999, where she held senior roles in the field of sustainability, including serving as Global Vice President of Sustainability at ALCOA CORP from November 2016 to February 2024, and notably as Chair of the ALCOA FOUNDATION.

Last updated: April 2025

Cristina Garmendia

Director

Cristina Garmendia Mendizábal was born in San Sebastian in 1962. She has been a member of the CaixaBank Board of Directors since June 2019.

She holds a degree in Biological Sciences, specializing in Genetics, and a PhD in Molecular Biology from the Autonomous University of Madrid’s Severo Ochoa Molecular Biology Center. She holds an MBA from the University of Navarra’s IESE Business School.

She is currently non-executive Chairwoman of Mediaset España Comunicación, S.A., and as such, she is trustee of FAD Youth, she is also Deputy Chairwoman of Compañía de Distribución Integral Logista Holdings, S.A. and Director of Ysios Capital Partners, SGEIC, S.A.

She is the Chair of the COTEC Foundation, and as such she is a member of the Board of Trustees of the foundations Pelayo, España Constitucional, SEPI and a member of the Advisory Board of the Spanish Association Against Cancer, Fundación Mujeres por África, UNICEF, Comité Español, as well as a member of the Advisory Board of Integrated Service Solutions, S.L. and S2 Grupo de Innovación en Procesos Organizativos, S.L.U., among others.

She was formerly Executive Vice President and Chief Financial Officer of the Amasua Group. She is a member of the governing bodies of, among others, Genetrix, S.L. (Executive Chair), Sygnis AG ( Chair of the Supervisory Board), Satlantis Microsats (Chair), Science & Innovation Link Office, S.L. (Director), and Independent Director at NTT DATA (formerly EVERIS), Naturgy Energy Group, S.A. (formerly Gas Natural, S.A.), Corporación Financiera Alba, and Pelayo Mutua de Seguros.

She was Minister of Science and Innovation of the Spanish Government during the IX Legislature from April 2008 to December 2011 and President of the Association of Biotechnology Companies (ASEBIO) as well as member of the Board of Directors of the Spanish Confederation of Business Organizations (CEOE).

Last updated: December 2024

Peter Löscher

Director

Peter Löscher born in Austria in 1957, has been member of the Board of Directors of CaixaBank since 2023.

He studied Economy and Finance at the University of Vienna and Business Administration at the Chinese University of Hong Kong. He obtained a Master’s Degree in Business Management and Administration from the University of Vienna and completed the Advanced Management Program at Harvard Business School.

He is currently an independent non-executive Director of Telefonica, S.A. (Spain) and Chairman of the Supervisory Board of Telefónica Deutschland Holding AG (Germany), a member of the Supervisory Board of Royal Philips (the Netherlands), a non-executive Director of Thyssen-Bornemisza Group AG (Switzerland) and a non-executive member of the Board of Directors of Doha Venture Capital LLC (Qatar).

Prior to this he held the positions of Chairman of the Board of Directors of Sulzer AG (Switzerland) and Chairman of the Supervisory Board of OMV AG (Austria). From March 2014 to March 2016 he was the CEO of Renova Management AG (Switzerland), and he was Chairman and Chief Executive Officer of Siemens AG (Germany) between 2007 and 2013. He Ordinary General Shareholders' Meeting 2023 – Report on Re-election and Appointment of Directors 7 was also the Chairman of Global Human Health and a member of the Executive Board of Merck & Co., Inc. (USA), Chairman and Chief Executive Officer of GE Healthcare BioSciences and a member of the Corporate Executive Board of General Electric (USA), and Chief Operating Officer and a member of the Board of Directors of Amersham Plc (UK). He has held hierarchical leadership positions at Aventis (Japan) and Hoechst (Germany and the UK).

Additionally, he held the position of Chairman of the Board of Directors of the Siemens Foundation and is a Member Emeritus of the Singapore Economic Development Board’s Advisory Council. He is also a member of the Bocconi University International Advisory Council. He is an Honorary Professor at the University of Tongji (Shanghai), he has received an Honorary Doctorate in Engineering from the Michigan State University and also has an Honorary Doctorate from the Slovak University of Engineering of Bratislava. He holds the Grand Decoration of Honour in Gold for Services to the Republic of Austria and is a Knight Commander of the Order of Civil Merit of Spain.

Last updated: December 2024

José María Méndez

Director

José María Méndez, born in Lugo in 1966. He has been a member of the CaixaBank Board of Directors since 2025.

He holds a degree in Law from the University of Santiago de Compostela and a degree in Political Science and Administration from the Autonomous University of Madrid, having also completed the Senior Management Programme at IESE Business School (University of Navarra). He is also a civil servant on leave from the Senior Corps of Civil Administrators of the State.

Mr. Méndez is currently Managing Director of Criteria Caixa S.A.U. and also has managerial responsibilities in the institutional field at the "la Caixa" Banking Foundation. Additionally he is trustee of CEOE and CEDE Foundation.

Previously, Mr. Méndez was CEO of Cecabank, S.A. and General Director of CECA; Vice-Chairman of the Board of the European Savings and Retail Banking Group (ESBG); member of the Board of the World Saving Banks and Retail Banking Institute (WSBI); Vice-Chairman of the Fundación de las Cajas de Ahorros (FUNCAS); Chairman of the Centre for Sustainable and Responsible Finance of Spain (FINRESP); member of the Management Committee of the Deposit Guarantee Fund for Credit Institutions and Independent Expert of the Board of the European Investment Bank (EIB).

He joined CECA as Secretary General in 2003, having previously held various positions in the General Directorate of the Treasury and Financial Policy of the Ministry of Economy (1993-2003), and Deputy General Director of Financial Policy from 2000 to 2003.

Last update: June 2025

Bernardo Sánchez

Director

Bernardo Sánchez born in Santander in 1960. He has been a member of the CaixaBank Board of Directors since 2025.

He holds a degree in Economics from the University Paris III, a Master in International Economics from the University Paris II, a Diploma in Political Studies from the Institute of Political Studies of Paris, and an MBA from the business school INSEAD.

Currently, Mr. Sánchez is the non-executive Chairman of the Board of listed company COFACE, S.A. (Compagnie Française d'Assurance pour le Commerce Extérieur). He is also an independent director of listed company Edenred S.A. and he is Vice-Chairman of the Board of Compagnie Financière Richelieu and a member of the Supervisory Board of Banque Richelieu France, a subsidiary of the former. In terms of other occupations, he is also a member of the Board of INSEAD and a member of the Board and Treasurer of EPAD (retirement home of the Association Sainte Famille).

Previously, he held the position of General Director of the Société Générale group (France) (from November 2009 to September 2018), responsible for retail banking in France, international retail banking of Specialized Financial Services worldwide and Insurance Companies, and he has been non-executive director of Boursorama, S.A., a subsidiary of the Société Générale Group, specialising in digital banking services.

Prior to that, he was Chief Executive Officer of the Monoprix Group (France) (2004- 2009) and of the Vivarte Group (France) (2003-2004), Chairman of LVMH Fashion Group (France) (2001-2003) and International Director and member of the Executive Committee and Chief Executive of Zara France (Inditex Group) (1996- 2001). He also held various positions in the French banking group Crédit Lyonnais (1984-1996), including that of Chief Executive of Banca Jover (the Group's subsidiary in Spain) from 1994-1996.

Last updated: May 2025

Teresa Santero

Director

Teresa Santero was born in Camporrells (Huesca) in 1959. She has been a member of the CaixaBank Board of Directors since 2021.

She has a degree in Business Administration from the University of Zaragoza and a PhD in Economics from the University of Illinois at Chicago (USA).

Since 2012, she has also been a professor at the IE Business School in Madrid.Previously, she held management positions in the Central Administration (General Secretary for Industry in the Ministry of Industry, Trade and Tourism from 2008 to 2011), and in Provincial Administration, in the Government of the Autonomous Community of Aragon (Director of Economic Policy in the Department of Economy and the Treasury, from 2003 to 2007, and General Secretary for the Department of Social Services from 2007 to 2008). She previously worked for 10 years as an economist at the Economics Department of the OECD in Paris. She has been a visiting lecturer at the Economics Department of the Complutense University in Madrid and associate professor and research aide at the University of Illinois at Chicago (USA). 

She has been on various Boards of Directors, was an independent member of the General Board of the Spanish Official Credit Institute, ICO (2018-2020), a director of the Spanish Industrial Holding Company, SEPI (2008-2011) and Navantia (2010-2011), a member of the Executive Committee and Board of the Consortium of the Zona Franca of Barcelona (2008-2011), and a director of the Technological Institute of Aragon (2004-2007). She has also been a Trust member of various foundations: the Zaragoza Logistics Center, ZLC Foundation (2005-2007), the Foundation for the Development of Hydrogen Technologies (2005-2007), and the Observatory of Prospective Industrial Technology Foresight Foundation (2008-2011). 

Last updated: December 2024

Koro Usarraga

Director

Koro Usarraga Unsain (San Sebastián, 1957) has been a member of CaixaBank's Board of Directors since 2016.

She has a degree in Business Administration and a Master in Business Management from ESADE, took the PADE (Senior Management Programme) at IESE and is a qualified chartered accountant.

She was an independent Director of NH Hotel Group from 2015 to October 2017.

She worked at Arthur Andersen for 20 years and in 1993 was appointed partner of the audit division.

In 2001 she assumed responsibility for the General Corporate Management of Occidental Hotels & Resorts, a group with significant international presence and specialising in the holiday sector. She was responsible for the finance, administration and management control departments, as well as IT and human resources.

She was General Manager of Renta Corporación, a real estate group specialising in the purchase, refurbishment and sale of properties.

She has been a Director of Vocento, S.A. since 2019, and she is a shareholder and Administrator of 2005 KP Inversiones, S.L., which is engaged in investing in companies and management consultancy. She is also an Administrator of Vehicle Testing Equipment, S.L.

Last updated: December 2024

Óscar Calderón

General Secretary and Secretary to the Board of Directors

Óscar Calderón, born in Barcelona in 1971, he has been General Secretary since 2014 and Secretary to the Board of Directors of CaixaBank since 2017.

Graduate in Law from the University of Barcelona (1994). State Lawyer (1998).

He has also been a State Lawyer in Catalonia (1999-2003). Lawyer to the General Secretary's Office of ”la Caixa” Caja de Ahorros y Pensiones de Barcelona (2004) and Deputy Secretary to the Board of Directors of Inmobiliaria Colonial, S.A. (2005-2006), in addition to Secretary of the Board of Banco de Valencia (from March to July 2013) and Deputy Secretary of the Board of Directors of ”la Caixa” Caja de Ahorros y Pensiones de Barcelona until June 2014. He was also a Trustee and Deputy Secretary of the ”la Caixa” Foundation until its dissolution in 2014, as well as Secretary to the Board of Trustees of the “la Caixa” Banking Foundation until October 2017.

Óscar Calderón de Oya is a Trustee and Secretary to the Board of Trustees of the Museo de Arte Contemporáneo de Barcelona (MACBA) Foundation. He is also Secretary of Fundación de la Economía Aplicada (FEDEA) and of the Board of Trustees of the CaixaBank Dualiza Foundation.

Last updated: December 2024

Óscar Figueres

First Deputy Secretary to the Board of Directors

Born in Tortosa in 1981, he has been First Deputy Secretary to CaixaBank's Board of Directors since October 2017.

Holds a degree in Law from the Pompeu Fabra University in Barcelona (2003) and State Lawyer (2008).

He is currently Secretary of the Board of Directors of VidaCaixa.

He worked as a State Lawyer in Barcelona and Tarragona, responsible for the coordination, representation and defence of the State in civil, appeal, social and criminal cases. Coordinator of Legal Assistance Agreements with Corporación RTVE, the Barcelona Free Trade Association and the Tarragona Port Authority. Member of Board and Executive Committee of the Barcelona Free Trade Association. Member and Legal Counsel of the Board of Directors of the Tarragona Port Authority and Member of the Tarragona Provincial Compulsory Purchase Tribunal.

He previously worked at EY Abogados law firm.

Last updated: December 2024