Ivan Gontijo: Thank you, Octavio, and thank you, Eduardo, for the question. Your question, unlike Rafael’s question, is more geared to the future, and I would like to say that we changed our guidance from 21% to 25%, but we did it under a lot of thought, and this is based on the fact that in the first half, we achieved the mark of 21.5%. It couldn’t be different for the second half, particularly if we consider the improvement in the commercialization part. We made some changes in the commercial department of the insurance group in the beginning of this year, and this has started showing excellent fruit in the first half of the year, and our earnings clearly show that. BRL51 billion, as I mentioned, but actually in the second half, we expect to reap the effects and the fruits of this commercial operation.
We will be working on the bank insurance in a differentiated fashion. And we believe that in the second half, we’re going to reap even more fruit, in addition to the increment of the commercial channel. That now, we’ll work together with the network channel, but separately also with the strategy that we developed. This will happen in the ecosystem of each company. This was implemented in the first half, and again, we can see the positive effects, and it will continue. This project, which we call Project to BRAVO, bringing the multi-channel to the inside of the companies, driving improvement in performance. And we’ll make performance improve even further in the second half of the year. So businesses will evolve, given the sales to companies.
Looking, we are taking — we’re considering a higher NII, and it’s continued in the second half. We will maintain the loss ratio, the claims ratio, at this level, or even lower. And all of these are positive effects, together with the product mix and extension of the margin. All of that gives us comfort. And now I address your question. This gives us comfort to increase the guidance, and it gives us the hope that we will achieve definitely, but for sure, even better results in the second half. I’m not sure I answered your question.
Octavio de Lazari: And, Rosman, let me just add to what Ivan said. The sales, the revenue of Insurance Group will be greater than 100 billion. And this is the result of the work that Insurance Group has been doing, led by Ivan. And that’s an important reduction in the claims ratio. And we know that every percentage point of reduction in claims ratio is fundamental. There was a positive impact. The GPM was negative, and the increase in sales. To give you an idea. Ivan did a work for the development of digital journeys, and this year, we’ll have more than 2 million items sent in mobile devices, just of insurance. So, of course, our wish, and we will work to continue to maintain this kind of revenue for the coming years. In the insurance company, because of this growth, and because of the independence of each one of the verticals of the Insurance Group, as mentioned by Ivan. Thank you, Rosman.
Ivan Gontijo: And if you’ll allow me, Octavio and Rosman, the fundamentals of the Insurance Group, if you’ll look at our balance sheet, it give us comfort to have a very objective perspective look of the future, very positive outlook for the future. Thank you.
Operator: Thank you, Rosman. Next question From Arnon Shirazi with Santander. Arnon? Go ahead. Arnon, are you there? We do not hear you. Okay. So, let’s move to the next. Renato Meloni from Autonomous. Unfortunately, the sound is not audible. We apologize. We apologize, but Renato Meloni’s sound is not audible. I’m sorry, Renato. We could not hear you at all. Your voice was very metallic. Renato, are you there? Okay, let’s go to Pedro Leduc, and we’ll come back to Renato later, okay? Next question from Pedro Leduc with Itaú.
