Bryan Keane: Hi, guys. For the third quarter, I think you guided acquiring TPV to BRL91 billion to BRL92 billion, and it fell a little bit below that. We’ve been used to you guys kind of beating numbers. So anything to call out in the quarter in particular that had you fall a little bit below expectations in acquiring TPV?
Ricardo Dutra: Bryan, yes, I would say you that there are two main variables here that impacted the Q3 TPV. One is deflation surprise as it might be, but we had deflation in Brazil in Q3 in two months out of three in Q3. And also, we see some bank issuers decreasing the credit offer for the consumers. We are seeing that the scenario for consumers with debt is kind of hard. So banks are decreasing the credit offer. So that’s why we see this, let’s say, a little bit below than what we thought before in our Q3. But I’d just like to highlight that — and you know that TPV is one of the metrics that we have. But of course, we are working on to keep growing the company in terms of revenues and also growing in terms of net income. So although we stay a little bit below in TPV, because of the reasons that I mentioned to you, we are bidding the other two metrics that is that are very important in our view, related to P&L, which are revenues and net income GAAP and non-GAAP.
Alexandre Magnani: I think — this is Alexandre, Bryan. It’s important also to mention during Q3, the Brazilian cards industry has shrunk from second Q. And we normally — we grow our total TPV comparing to second Q. While the industry grew 20%, we grew 35% on a year-over-year basis.
Bryan Keane: Got it. And then when we look at the fourth quarter, I know, we talked about net income and some of the same factors are going to obviously apply, but the total revenue and income growth, I think we got it at 23% to 26% for the fourth quarter, which is quite a bit below the run rate you guys have been doing this fiscal year. It sounds like World Cup and maybe some economic factors to consider there. Anything else to think about? And how much of that is one-time so when we get into first quarter next year, can we see a reacceleration of that total revenue and income growth?
Ricardo Dutra: Bryan, in absolute terms, we estimate that World Cup could impact us between BRL3 billion or up to BRL4 billion. So that’s one-off. And just to reinforce here that when you look at the percentage, the growth as a percentage, Q4 last year was — is a hard comp for us because at least in Brazil, last quarter 2021 was when really the economy was reopened in Brazil. So people spent a lot in Q4 last year. So when you look at the percentage you could look at that we are not growing that much, but we had a hard comp from Q4 last year. But as a one-off, I would say that World Cup mainly is the main, I would say, headwind in this quarter.
Bryan Keane: And then how about when we jump off into next year, obviously, we won’t have the World Cup headwind, but is there a possibility we can reaccelerate in the first quarter on a total revenue and income basis?
