Good morning, and thank you for attending our virtual meeting to present the results of the first quarter of 2024. This meeting is being recorded, and there is simultaneous interpretation into English. If you want to hear the audio in English, click on the language interpretation button at the bottom of the screen. During the meeting, the Portuguese version of the presentation will be shown. The English version of the presentation is available at our investor relations website at www.bbseguridaderi.com.br/en. Today we have André Haui, CEO, and Rafael Speranio, CFO and IRO. I would like to give the floor to Mr. Haui, who will begin the presentation. Thank you, Felipe. First, good morning, everyone. Thank you for attending our virtual meeting to present the earnings of the first quarter of 2024 at BB Seguridade and about the execution of our strategy during this year. Before starting the presentation, I will break the protocol to send my condolences to the victims of the floods in Rio Grande do Sul. BB Seguridade and the companies in the group have taken several measures within its activities to support our customers and colleagues in the area. We hope that everything gets solved as soon as possible, and those who listen to me could make donations. Banco do Brasil is coordinating efforts to make sure that they reach those in need. Now let's start with the highlights for this quarter. Starting on slide number two, we have some highlights of the net income. I'm happy to say that our net income in the first quarter was BRL 2 billion, with a growth of 10.4% compared to the same period of 2023. The managerial net income, that doesn't take into account the effects of IFRS 17, has increased by 4.7% to BRL 1.8 billion. I would like to call your attention to the robust commercial and performance and operational performance in all areas. Insurance has grown by 15% in premiums written when compared to the first quarter of 2023, reaching BRL 4.3 billion here. The main highlights are pension, credit life, and rural insurance. The loss ratio was a good surprise, has improved 2 percentage points year-on-year. In pension, the reserves balance has reached BRL 400 billion, almost BRL 406 billion, with a growth of 14% in 12 months, with net inflows of BRL 5.6 billion, which is more than 2% higher than the first quarter of 2023, explained by the record collection and by the low outflow ratio. We have grown 16% in premium bonds, reaching BRL 11 billion in reserves. Finally, as a reflex of the strong commercial performance, brokerage revenues have added to BRL 1.3 billion, with a growth of 12% year-over-year. About the strategy execution, we are now on slide three. In general, we have a very positive result, which reflects our constant search for modernization and innovation in the portfolio of solutions for customers. I have some highlights here of the first quarter. In the rural insurance, we've expanded coverage for cattle, generating BRL 200 million in insurance. Credit Life Insurance, we sold BRL 28 million more in premiums. Credit Life Insurance, which is for programs for family and small producers, we expanded coverage for small producers. And in the first quarter, we launched the product Low Ticket Term Life Insurance that has affordable prices, that provides assistance to prevent and provides support according to the profile of the insured. As for our business model, Banco do Brasil is and will continue to be our main sales channel, and where we see the best opportunities for growth for BB Seguridade. However, we have funds to go beyond that and look for other opportunities to expand our business model. In the first quarter of 2024, we reached a volume of BRL 570 million premiums written in partnerships, a growth of 13% compared to the same period of 2023. In large risks and transport, BRL 45 million were written with partner brokers. In pension, we reached BRL 22 billion in asset managers, and we want to have asset managers that meet the needs of customers with different risk profiles. And in order to meet everyone in their favorite channel, we continue with IT transformation as an important pillar. In the first quarter of 2024, BRL 108 million were invested in technology, cybersecurity, and digital journey solutions. Our focus to provide complete solutions in digital channels caused sales to increase 16%, not including credit-related insurance. In alignment with our purpose to provide peace of mind for everyone, everything we have has as an end purpose to provide the best customer experience. This obsession resulted in a consolidation of NPS at the quality zone, with an improvement of 0.5 percentage points in March 2023 and a reduction of 9.8% in complaints. We want to be in very important places in difficult areas, more than 33,700 customers assisted in natural disasters. In order to mesmerize our customers, we increased our protection levels with more than 12,000 overprotected customers, with an overall NPS of improvement of 7.5%. Now I turn the floor over to our CFO, Rafael Speranio. We will talk about the figures of this quarter, and I will be around for the Q&A session. Thank you. Thank you, André. Now moving on to slide five. Let's see our results in the old accounting standard. We continue to show in the same format until SUSEP decides to use the new accounting standard, IFRS 17, or not. For those who usually see our earnings presentation, we continue with the same, BRL 1.9 billion when compared, growth of 24% when compared to last year. There is a mismatch of one month in the update of liabilities in the defined benefit plans. This effect at zero in time, so it's not an effect that could be classified as a structuring impact on the business. As the IGP-M becomes stable, this has been impacted by a downward trend curve that increases on a monthly basis. When it stabilizes, the BRL 74 million of lag in the first quarter will be reverted in the income statement. So if it wasn't for this time mismatch, that at zero in time, profit would have grown 7.4% on a normalized basis because it was a very good performance for the beginning of the year. Considering everything we can see on the right side of the chart, the overall impact coming from net investment income that accounted for 19% of the profit last year, and in the first quarter, it contributed with 12% of our income. So when compared to the first quarter of 2023. On slide number six, there is an overview of the main components of this variation of the net income. Out of the growth, we had operations accounted for BRL 200 million, and the main highlights are a growth of net income at Brasilseg, retained earned premiums, then so credit life is the main driver for growth in the first quarter of 2024, and the reduction of the loss ratio in the company as a whole, especially in the agricultural area. In the events that took place resulting from the end of an El Niño cycle, had a total effect on the loss ratio of the agricultural area, much lower, was much lower than we expected, and even lower to the loss ratio reported in the first quarter of 2023. Brokerage area, with a growth in sales, in insurance in general, credit life, premium bonds, agricultural insurance. This is on a cash basis, recorded on a cash basis. So the collection of these two areas, or the incoming funds, have a strong sensitivity on the income from or revenues from brokerage. In the financial net income, as I mentioned in the previous slide, added BRL 200 million, as operations added BRL 200 million, financial net income removed BRL 117 million year-over-year. There is no Selic effect. We're able to offset the drop in the average Selic interest rate with an increase in volumes. So the first line of the financial net income, a drop of BRL 7 million of volume and rate exchange ex-MTM. There was a time mismatch of BRL 49 million, which is slightly different from what I showed in the previous slide, because this figure of 49 is the variation of the quarter, the first quarter of 2024 and 2023, whereas in the previous slide it was an absolute figure. So finally, the main effect that had an impact on the net investment income was the opening of the interest rate, which reduced, caused a negative Mark-to-Market effect, especially Brasilprev has a longer duration in order to pay for the defined benefit plans. So there's this time mismatch tends to be possibly reverted in the second quarter. Well, it depends on the IGP-M behavior, but that's what we expected. And then it goes back to, goes to the, in a positive trend in the second quarter, positive in the third, and then this event of time mismatch is reverted by the end of the year. So Mark-to-Market is more of an economic context. Now on slide seven, our premiums written grew by 15%, credit life grew by 25%, not only in disbursements, especially in consigned credit, but also a reduction in cancellations and a more active performance in credit life. We've been trying, in rural insurance, we've been able to offset with the best performance in lien and rural life, either by launching new products or by increasing coverage in electable lines of business, eligible lines of business. And as André mentioned in his slide, with a highlight on lien insurance that added BRL 200 million in premiums written. Life grew by 2.7%, a bit more slowly. It's adjusted by IGP-M, and when there's a deflation in IGP-M, there's no adjustment, so it's zero, it's just a risk increasing according to age brackets. With the quality of these risks that's written, the combined ratio had a significant improvement, improving 5% year-over-year, and the main component was a reduction in the loss ratio, stemming from agricultural insurance, and there was also a life contribution to the loss ratio decrease in life. Commissions increased year-over-year due to the sales mix, with a higher concentration in products that pay higher commissions to brokers. Administrative expenses, the G&A ratio, increased 40 basis points due to an improvement in the provision for losses recoverable, but nothing very significant. Net investment income dropped by 9%, which is a direct reflex of the drop in interest rates. With the growth, either in premiums written, reduction in premiums earned, and reduction in loss ratio, and this combined effect added up in the net income growth of 12%, reaching BRL 1 billion in the first quarter of 2024. On page eight, on pension, gross collections grew by 13%, net inflow went from 11.9% to 8.6% of redemption ratio, and the net collections almost tripled when compared to the same period of 2023, with a growth of 14% in 12 months. Management fees, there is a drop of 4 basis points year-over-year. As you can see in the lower part of the bars, the share of multi-markets in the total funds under management went from 25.7% to 21.4% in March, mostly due to the macroeconomic context. There is a slight increase to risk exposure in the end of last year, but that was reverted due to lately things that happened lately. Now it's becoming more conservative, especially in investing in fixed income. Despite all the improvement we see in the operation itself, that grew by 7% year-on-year, net income dropped by 30% when compared to the same period of 2023 due to the net financial income that became negative due to the Mark-to-Market and this time mismatch. These are effects that we expect not to continue throughout the year. Now on page nine, premium bonds collections increased 16%, with a growth of 12% on reserves. Draws paid add up to 13% in the first quarter of 2024, with a drop of 25%, which is due to shorter term. It's a mixed issue here. The shorter the term, the less time we have to pay premiums, to pay the draws. Net investment income grew 33%, and the main factor was the reduction of the liabilities cost as a reflection of the interest rates that compensate some liabilities. The growth of net investment income was responsible for the increase in net income, which grew year-on-year by 13%, reaching BRL 71 million. The last page, we see the BB Corretora performance, the brokerage revenue grew by 12%, and the main drivers for improvements of PREVI and CAP, where they're very sensitive to revenue and insurance, especially credit life, either a growth of previous sales or new sales. The net margin improved 0.3 percentage points due to a mix of past sales and commissions paid, contributing to an increase of 12% in net income in the first quarter. To conclude my presentation, we show the guidance. We have three indicators. In operating result, non-interest, the results derive from a lower loss ratio. Pension plans and premium bonds is more. The fact that we exceeded the guidance was expected. It has to do with the curve, and it was expected for the first quarter, and we believe that the realized will converge to the guidance. So this is something we expected, but figures should converge during the year. Of course, pension plans could also have an income added, but we expected a convergence. These were the main points, and now we can move on to the Q&A session. Thank you, Rafael. We'll now start the Q&A session. I would like to remind you that if you want to ask a question using audio, please click on raise hand and speak when you're told. If you prefer, you can send your questions in writing, in Portuguese or English, by clicking on the Q&A button. If it's not possible to answer all your questions live, we are going to send you an answer by email for questions sent in writing. The first question in audio comes from Antonio Ruette from Bank of America. Go ahead. Good morning. Thank you for the call and congratulations on the results. First question is about rural insurance. I would like to understand how rural producers performed in this first quarter after the El Niño season, and how is the demand, what's the size of the protected area. I would like to understand a bit more how the demand will be in the future, and what is the expected loss ratio, especially now looking at the second quarter. Are you also looking at La Niña or something like that? And after the rural, the second question has to do with the net financial income. If you could give us an update of the sensitivity that you have for every 100 basis points resulting from the new rules by SUSEP. Thank you. Thank you, Antonio. Now answering your first question about rural insurance, what we've seen in the last agricultural season, that there has been a drop both in frequency and severity, globally speaking, of our full exposure. When we break down the exposure by regions in Brazil, we've seen a significant drop in frequency and loss ratio in the south region, and an increase of the severity and frequency in the north and midwest area, but our exposure in this area is much lower than in the south, so this combined effect ended up being positive for loss ratio. That won't necessarily be reflected or reflect the impact of the crop as a whole, because we're talking about the risks we are exposed to, customers that buy protection, but farmers who decided not to buy insurance, especially in the center area of Brazil, in the north, could be in difficult situations. But farmers who buy insurance, when we look at our exposure to risk, the combined effect of El Niño ended up being more positive in general than expected initially, also due to these exposure dynamics that I mentioned. As for demand, we are now having the transition to a neutral period, especially now that we have a next agricultural cycle under the impact of La Niña. This will probably be reflected in higher demand for the area of the central area and southern areas of Brazil. It's too early to say how much demand could increase. One has to take into account if farmers will have funds to pay for protection and how much will they buy. It's still early to quantify that. As for the net investment income, the sensitivity has not changed much since previous quarter. It was an event concentrated in Brasilprev on the reclassification of a portfolio kept until maturity that will be available for sales. When we say 100 basis for BRL 100 million, that's the sensitivity in the result. So this reclassification does not have a sensitivity effect on the results. So this reclassification was made to comply with the new regulation that now provides the possibility of pension plan company that when the customer that has a defined benefit plan and reaches time of retiring, they could be called to the company and either redeem his total fund or receive the income, but he has the option. So the idea is to provide that to customers. So the reclassification was made, but at the end of the day, the sensitivity does not change much or the impact on the net income. Okay, thank you. Thank you, Antonio. The next question comes from Guilherme Grespan from J.P. Morgan. Thank you for the presentation. We have two questions. First, regarding credit life insurance, we see a high growth above 30% when we compare to the systems, but in the systems, it's growing around 20%, so you've been able to grow this product above concessions. It seems to me that's still related to your activity because you start growing the eligible customer base. I would like to have an update on this initiative to sell credit life to your non-insured loans, and if it's possible to continue to grow in the next quarters above the origination level of Banco do Brasil. My second question is about this flooding that we see in the Rio Grande do Sul. It's too early to discuss the impact, but in conceptual terms, you have an exposure to agriculture insurance that's easy to see, but when we think about other insurance such as rural life and traditional or rural lien insurance, rural lien, as compared to traditional products, what is the impact on each of these segments, low, medium, or high? Thank you. Thank you for the questions, Guilherme. As for credit life insurance, premiums written growing by 35%. I'd see that the disbursement in eligible lines of business have grown among the main drivers, in addition to increasing the scope of the product in terms of age, coverage, etc., the origination of credit, talking about eligible lines, had a good performance, and that's the main driver. So more credit facilities being signed, therefore, the basis increases. As for if we would break down the premiums between SLIP, which is a product offered when the loan is made, and the non-insured outstanding loans, we would have something like 57% of penetration in SLIP and 9% in non-insured outstanding loans. That's for the first we had 47% in the first quarter in SLIP, and that increased a lot in terms of and 9% for non-insured, so figures almost doubled in the first quarter of 2024 when compared to 2023. The third driver is the reduction of cancellations. So these three factors together contributed to this robust growth in credit life. As for the natural disaster in the south of Brazil, according to a mapping of affected areas, there's also an impact on Santa Catarina. We look at both states, Rio Grande do Sul and Santa Catarina together, with the main impact on Rio Grande do Sul. The impact on rural areas is very low. Most of the crop that would be harvested in this first quarter has been harvested already, especially soybeans, and other crops that would be planted in Rio Grande do Sul, we have a very low exposure there, so impact on rural insurance is minimal. And when we look on a more general point of view in terms of claims, it's more concentrated on property, warehousing infrastructure, buildings, etc. Unfortunately, the culture of insurance is very low in Brazil. When we are exposed to written premiums for house and commercial lines, it doesn't reach 10%. In the south, it's even a portion of this small amount, so we do not expect any major impact coming from this catastrophe in our net income. Which does not mean that we're not acting. There is a crisis protocol that's put into practice. Whenever something like this happens, we send providers, we make our procedures more agile, we facilitate payments, we provide all the needed support to our customers that were affected by this strategy. But in terms of loss ratio and impact on net income, it's very low, non-material. If you would allow me for a follow-up, the last time I talked to you, the premium on insured or on the face value is around 10%. Is this still valid? Well, the concept here is the planted area with the insurance, no, the premium that you charge compared to the face value. Well, this is a variable that's very hard to find an average. It depends a lot on the product, on the period, so I don't have that figure to give you. 10%-12% in terms of subventions, and it's an average, but funds for areas that don't have any incentives are different. Okay, thank you very much, Rafael. Thank you, Guilherme. The next question comes from Kaio from UBS. Good morning, everyone. Thank you for the question. My question is about pension. Similar to credit life and pension plans, we see a strong contribution. I would like to understand what were the main drivers, any effect from competition, if this effect from contributions could be extended throughout the year, and if we could also comment on this improvement on the redemption rates. What were the drivers for that, and what do you expect for the year? And if these points together could not mean a growth in reserves even above the guidance throughout the year. Thank you. Thank you, Kaio. The performance in inflows from pension has been more of a macro nature. It's because of the reduction in the unemployment rate, increase in available income, reduction in leverage. All of these factors, macroeconomic factors, have enabled people to invest more in their pension plans and also a lower need to withdraw funds. Therefore, redemption rates decrease. When compared post-pandemic until the first half of last year, if we could have a sample of explanation or reasons given for redemption by customers, the main factor was the need to fund daily activities in families, to make ends meet, usually caused by loss of jobs or loss of income. This year, the situation is different. Now, the portion of customers that justify redemptions due to need of funds to pay for their daily expenses has dropped considerably, and the remaining portion of customers are doing that due to relocation of investments. For high-income customers, they are now investing in real property. So the profile has changed within the macroeconomic environment, has favored an increase in incoming flows from pension plans. Interest rates are still high. Now, when we look at the market expectation, if I'm not mistaken, that points out to a Selic at 9.75% towards the end of the year, enables a two-digit average rate. So that leads customers to have a lower appetite for risk, especially Banco do Brasil customers. That's reflected into a longer maintenance of funds, a lower rate of portability to other securities that have a higher risk. And the combined effect allowed a net incoming funds 3x higher than the same period of last year. From now on, it's still a bit uncertain because the interest rate expectation has changed a lot in this first five months of 2024. Due to global factors, today, we see the market has reviewed their expectations upward, so we don't expect interest rates to drop so much as we did before. If this remains this way, I don't know if it would be enough to be above guidance, but the likelihood of being close to it increases. To discard the lower zone of the interval, but still too early. There's a high volatility, so it's very hard to say this right now. This is why we keep the interval for guidance. We haven't reviewed it yet. Okay, thank you. Thank you, Kaio. The next question comes from Tiago Binsfeld from Goldman Sachs. Good morning, Felipe, André, and Rafael. Thank you for the questions. First, I would like to have a follow-up on the previous answer about the pension plans dynamics. To understand, there would be any benefit from the rule for exempt amounts? And the second question is about life insurance within rural. We see a smaller growth because the IGP-M dynamics affects renewals, but you lost market share, s omething specific about the life dynamics? Thank you. It's hard to quantify that for pension, but there has been a positive impact, not only due to the rules of LCA and LCI, but also due to the limitations imposed on exclusive funds that ended up directing funds to pension. The securities or letters of credit that were exempt of income tax and with new rules will be more competitive for new inflow of funds. As for life insurance, that's exactly what you mentioned. Since the inventories updated by IGP-M and since the deflation, it's zero, and most people update that according to IPCA. So that's a difference of 4%. So by itself, that's the main explanation for our loss of market share in life risk. The adjustment of inventory of premiums accounts for more than 80%, so it's hard to offset that with new sales. Thank you, Rafael. Thank you, Tiago. Next question comes from Eduardo Nishio from Genial Investments. Hello. Good morning, everyone. I have two questions. One, regarding the guidance. You have an income, net income above guidance. I would like to know about the dynamics from now on. Since you're doing fine, do you expect any change towards the middle of the guidance, or with this better start of the year, do you expect a better result? I mean, of course, you don't give guidance on net income, but maybe the next quarter will provide an improvement in the net financial income from pension funds. The second question, if you have any initial reading on the tax reform and what would be the impacts on your company? Thank you, Nishio. Well, as for the guidance, there are several factors that need to be assessed carefully as for the impact on each indicator, starting with the operating income. The main driver was a lower loss ratio on the agricultural area, but we expect it to be diluted throughout the year because it's concentrated in the first quarter, so we would converge to the interval. For insurance premiums, the main variable we have to observe until the end of the year is the performance of rural insurance, which is significant in terms of volume of premiums written, and there is uncertainty as to the volume that would be made available for funding for rural insurance. We still don't know how funds will be divided until the end of the year. As for pension, as I said in the answer to Kaio's question, there is a dynamic regarding the interest rate. That would be crucial to define whether we'll remain above guidance or there will be a conversion. But a common factor for the three indicators, it's still hard to know whether we'll continue to exceed the guidance. We tend to converge to the interval, but the likelihood of remaining on the upper part of the three ranges we published is high. Therefore, the likelihood of being in the lower bracket has dropped considerably, and some intervals could be almost discarded. But so far, this is what I can say. We expect conversions. The second question. Okay. As for the tax reform, generally speaking, we don't have the defined rate yet, so it's hard to measure the impact. As we expected for all the companies under BB Seguridade, all of them are classified under the special regime as financial institutions. This was expected, but now it has been defined, so it's clear. The main gain that we observed, according to recent news, is the operational simplification process. In the current model, this is very complex. There are service taxes that have different rates in brokerage house for different products, PIS/COFINS, and whether it will incur on different products. Now, according to the tax reform, it's much simplified. It's much simpler, much clearer. So the simplification of the operational process so far has been the main advantage, but it's hard to quantify the impact because we don't know the rates yet. Perfect. Thank you. We have a question from Pedro Leduc from Itaú BBA. Leduc, if you want to speak. Good morning, everyone. Thank you for the call and for the questions. First question is a quick one. What is your outlook on the pricing and/or price adjustments for rural premiums? Since we are now towards the second half of the year, we have the Safra Plan, the crop plan, and most claims have been reported. The second question, what do you expect in terms of premiums? The second question is, do we see in capital allocation year-to-date a large figure? Of course, you started a program at the end of last year, but if we could consider that it's a good rate of repurchases per quarter between BRL 250,000-BRL 300,000, then how do you think about this would be distributed? Thank you for your question. Well, speaking of prices, I believe it would be in the saving of agriculture insurance. We look at a very long horizon that varies from three to five years depending on the crop and the region, so we don't price insurance or give guidance for insurance. So far, there's no scenario that indicates a potential for increase in prices. It would be on the opposite, more to maintain or reduce prices in some cases. Of course, pricing is much more complex than this depending on the area, the location, but an overall figure, I would say that there is no potential to raise prices in agricultural insurance. On the other hand, regardless of the subsidies variable, just looking at supply and demand, a higher demand for protection is expected for this new cycle that will start now than compared to the previous one, especially because there are areas that we have more exposure in, and the climate event that will be La Niña, maybe end of second or mid or end of second semester, is an event that usually impacts the areas that we have higher exposure, and therefore, it's likely to have an impact on demand. I'd say that from the premium point of view, a higher demand due to a perception of risk. As for rates, no expectation of significant adjustment. Can I move on to the second question? Yes, thank you. As for capital allocation, the fact that we have performed more than half of the repurchase program, we believe that BB Seguridade's shares are not priced on a fair value according to our analysis, and we will continue with this repurchase program considering all the care we take not to intervene in prices, but it depends on funds available at the holding. We need to have funds available at the holding company, BB Seguridade, to execute a repurchase program. There are also legal limitations. We can only increase dividends of the brokerage company at the end of the semester, so there are limitations on the shareholders' equity. The main driver would be the available funds at BB Seguridade. We believe if prices remain at this level that we consider not fair, we'll continue to repurchase shares if we have enough funds. So this could be renewed still this year? Well, if we execute 100% of the program, I would have to cancel treasury stocks to start a new program. This would be the natural flow. While these treasury stocks are not canceled, I cannot start a new repurchase program. Okay, congratulations and thank you. Thank you, Pedro. There are no further questions to be asked, but there are some questions that were sent in writing. One of them is related to the last question asked by Pedro about the repurchase, so a more objective, what does the company intend to do with treasury stocks? And still related to compensation, if there is an update on expected payout or even an idea about increasing dividend payment to shareholders. Whereas for the destination, we don't have any indications of other financial destination other than cancellation of treasury stock. Of course, we need approval, but there won't be any other scenario other than canceling treasury stock. The second question about dividend payment. Today, there's no indication that we'll be paying dividends differently from what we have paid previously, and a composition between funds used to pay dividends and funds used for share repurchase program, so we'll remain according to what we did in previous quarters. We've seen that the brokerage firm has BRL 5 billion in prepaid commissions, so it's a more technical question about what is the average term in which you expect to recognize this balance of commissions. A good portion of these commissions come from the credit life sales and the accounting recognition, so I would say that the average term for recognizing these commissions is within three years, around three years, but that could vary a lot. The current scenario is of growth in terms of credit portfolio. If the trend changes, this flow of recognition could change, but I'd say that today is around three years. The last question, very specific. Looking at the guidance in growth of premiums written by the insurance company, the person is asking about home insurance and how much of that is originated by Banco do Brasil. 100% comes from Banco do Brasil. I'd say that home and this other area you asked for, I don't believe that the growth rate will not change much from what we have had in this first quarter. Thank you, Rafael. Since there are no further questions, not in the audio or in the Q&A, with that, this concludes our earnings meeting for the first quarter of 2024. At the end of this meeting, if you can, answer the brief questionnaire that will show up on your screen to provide feedback on the organization of the meeting, on the presentation, and to end, André, Rafael, do you have any final comments to make? I would just like to thank the trust of our shareholders and investors, and we continue our search for excellence and results, and we'll continue to make this company grow more and more and generate the necessary returns. Thank you and have a good day. I would like to thank you all for attending this call again, and I'll remain available with the team of investor relations to answer any other questions you may have. Thank you and have a good day. So this ends the conference call for the first quarter. Have a good day.