Hi, thanks for the opportunity. The question was on the side of credit cost. So I mean, what kind of moderation can be expected, I mean, given that credit costs have been higher for some time? And related to that, in terms of ROAs at one point of time, we used to have like a 5% from there a moderation to 3%, 3.5%. So on that side, I'd like to know?
Okay. Thank you.