Eric Oliveira: And Neha, this is Eric. Just to sense here. This positive impact on lower tax rate is offset by higher tax collections in the top line, okay? So financial income should be higher excluding taxes. But since — the Brazilian Central Bank changed the regulation and there is a full disclosure in our earnings release about that. We are collecting more taxes in the top line, primarily in financial income. So by the end of the day, this is a net event because the positive effect on lower tax rate offsets the higher tax collection in the top line on the financial income.
Neha Agarwala: Perfect. If I can just quickly follow up. Regarding the funding cost, should you — should we expect you to continue gathering deposits at a similar pace? Or could you think about maybe lowering the remuneration a bit and lowering your funding cost for the deposits in the coming quarter?
Ricardo Dutra: Neha, we don’t see that decelerating at least at this point. We are keeping growing in our deposits. I don’t have it on top of my mind, if it’s going to be the same 170% this astonish number that we had in Q3, but we don’t see that accelerating. We still keep growing, getting new clients and getting new deposits and CDs.
Neha Agarwala: Okay. Thank you so much.
Ricardo Dutra: Thank you, Neha.
Operator: Next question comes from Tito Labarta with Goldman Sachs. Please go ahead. Q – Tito Labarta Hi, good evening. Thanks for the call and taking my questions. A couple of questions also. I guess, first, just to think about your ability to grow earnings for next year. When you look at your margins, the kind of continues to come down on your guidance, it looks like margins could begin to stabilize perhaps quarter. When we think about the margin, should that be just mainly a function of interest rates once interest rates start to come down, your margins can go up. I don’t know if there’s any color you can give on how your margins sort of — the difference in margins between your SMB clients versus micro merchants, if that’s going to have any impact as well?
And then my second question, going back on your market share. I know you’ve been — you’ve gained a lot of market share this year. But when we look at the quarterly evolution, most of that market share gain came at the beginning of the year. And then the last couple of quarters, you’ve gained more like 10 bps per quarter or so. So just to think about, is that mainly a function of your repricing and that has slowed your market share gains? How should we think about your ability to continue to gain share going forward? Thank you.
Ricardo Dutra: Tito. So regarding the margins, we — to be honest here, we are not looking for margins expansion. We are looking for EPS accretion, EPS growth because we are 3 times to 5 times more profitable than our peers. So when you reach this kind of position, it’s kind of we have a very decent EPS. If we look last year, our EPS BRL0.90 per quarter and this year is BRL1.10 from BRL1.15 this year. So we are growing EPS. That’s what we’re looking for, keep growing the company and keep growing EPS. Margin is not a main focus for the company at this time and I don’t think it will be in the short-term because for us, these two main drivers are very important to keep growing the company and keep growing EPS. Regarding market share, you’re right, we grew like 10 bps in the past quarter or a little bit more than that, but we have been consistent gaining market share.
