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So I'm trying to understand where is the surprise coming from, from what you guys were expecting?
all the seasonality that we're seeing is coming primarily from your unsecured personal loans?
I wanted to understand a little bit better what happened with provisions in the quarter.
So I was wondering what is your view on that? And how much that could impact your results in Mexico.
Can you discuss a little bit about your strategy in the private payroll product?
help me understand why you think margins then can continue to go up in Brazil.
it feels like maybe a little bit too early that maybe you should be bigger in your existing countries