Thiago Piau Thank you, Lia. Hi, Neha, Thiago here, speaking. Regarding competition, no updates in terms of everything that we have said in the previous two quarters. But I would like to take a moment to talk briefly about medium-term. I think that when we see our industry and our business and what we are building into Stone, I think that this is really a lifetime opportunity. It's incredible to see the changes in terms of the merchant needs, in terms of how the industry is evolving. So, we took the challenge. We're moving from the payments relationship that brought us here to build entire financial platform that our clients need in order for us to be the only relationship when they think about financial services. I'm seeing that the team is really moving fast. We're now focused on the engineering side to take the credit, because we think that credit is a very important product to help our clients to sell more and I still some of the players in the market trying to do the same, evolving to the whole financial platform. But I think then in the end of the day, we have the best service level, we have the best team, we have the best execution. I really believe in what our team is doing. And there's one challenge that we took, and I think that nobody took the challenge yet, which is to win on the software side of the industry, to really drive efficiency in the operation of our merchants, and taking the challenge to bring additional sales for our merchants in the scale that we're doing. We believe that in the medium-term, the importance of the software, and our ability to connect the brick-and-mortar operation of our clients with multi-storefronts operation with the digital channel is something that we really transform our business in the next 3 to 5 years. I'm confident with our ability to win on the MSMB space. I'm confident with the ability of the team to build the whole financial platform, to change the way we have relationship with our clients, and to win on the software side to bring more sales to our clients. We want to create a Company which is humble to learn. And we made mistakes in the past, we learned with them, we are much stronger now. But the opportunities in the industry are very, very big. In the micro segment, what I'm happy to see, and we have disclosed this here on Page 6, is that the average revenue per merchant is actually better than we thought in the beginning, and we had the ability to decrease the cost of acquisition of clients. And those are very -- 2 very important factors for us. So, we're confident in our ability to execute in the micro segment. I think that the team is really performing well. And the capital allocation we did, I think that is on track in terms of our plans. So, we will continue to drive growth, and we will continue to invest in the Micromerchants segment because we believe in our ability to offer better products and better service to micro-merchants in Brazil and to help them to dream bigger. I think that this team is capable to do it and to win in this market.