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It's unusual for you to give that near-term clarity. What has prompted that? And then what could cause it to change?
Can you discuss the changes that you announced to the shipping model in Brazil, I believe, on January 20
Do you think that your competitors are behaving rationally? Or do you see any signs of irrational competition in the market
The credit portfolio is growing quickly as it grows, how do you expect the funding mix behind that to evolve
Can you discuss the strategy in terms of deposits in Brazil? We've seen the 120% of CDI rate offered over the last few days. What's behind that