Pedro Leduc

I also want on your latest update on how you are on payroll, including private payroll.

You mentioned that there might be some pressures. I want to see if you can maybe go into detail about it.

Can you talk a little bit more about how you're seeing this rollout perform on the ground?

the number of active credit cards and that has also fallen a bit. And we can see that you're rolling out more limits

when do you think you can adjust or stabilize the overall risk adjusted NIMs?