Could you speak a little bit about the availability of funds for growth? And also if co -lending and asset management partners, is it similar to what you see in terms of pricing and availability of funds? Or has there been any structural decrease in the -- or addition in the premium that we are looking for?
So when do you expect -- you said roughly you will catch up on the yield side, let's say, in a year or so. So let's say, from a spread point of view, when do you think it will get normalized?