Good morning. Thank you for taking my questions. I have two. The first one is more around the card business. Seeing quite a number of quarters of strong fee income coming through, but this quarter is a little bit softer than usual. So just wanted to understand the longer term outlook for the card business in terms of fee income as well as asset quality. Second one is on the liquidity risk. Recently, Bank of Korea has injected liquidity into the system. There seems to be a little bit of stress for corporates as well as for certain financial institutions like securities companies when it comes to liquidity risk. Can you help us to quantify how does this impact funding costs for Shinhan Group going forward?
Are there any area of stress that you are seeing in the system? Thank you.