Rob Ford

Can you talk a little bit about your NPS rank across the marketplaces? And what you think you need to do to replicate that NPS leadership

how is that Pago agent increasing engagement impacting borrowing or savings behavior or promoting the adoption of new financial products

can you comment on merchant adherence to your recent relative value notice in Brazil, the implied changes to the search algorithm

where are you in terms of your low ASP selection versus your longer-term plan in the Shopee assortment? How long is it going to take you to get to where you want to be

Can you talk a little bit about the TAM across the region, maybe the halo effects for other categories, how you're thinking about subscribe and save

how much of the wallet funding on the marketplace is now coming from resources within the ecosystem and how are you thinking about that penetration rate

What do you expect your quarterly net credit card investments to Osvaldo be or did that just happen in the fourth quarter