Richard Cathcart: MercadoLibre is a major driving force of the shift of offline to online commerce and financial inclusion in Latin America. Continuously investing in our value proposition, service levels and user experience is key to making that happen for years to come. We want to share a snapshot of just some of those investments in innovations today. In September, we have created the Meli Mas benefits package to include cash back or extra installments on marketplace purchases and new fintech benefits. This means that users are able to get back much more than they pay for subscription, making Meli Mas the smartest choice for our users. Those fintech benefits include cash back on all purchases made by the Mercado Pago credit card and a higher yield on funds held in the remunerated accounts.