income uh, with the pressure that we had on margins and on interest rates, uh, we can handle that through the cost of funds. Then uh, the fees are- are performing well. So it's driven mainly by the quality, which is going through inaudible towards normalize number. But we- we had a very challenging uh, period during the 2020 and even 2021, uh, inaudible bank and- and fees and net interest and margins inaudible perform- perform well. Thanks good, thank you so much. Thank you. Our next question is Jason Mollin with Scotiabank. Please go ahead. Hi, thank you very much for the opportunity to ask questions Juan Carlos Samberto. Uh, I have a follow up on the- the digital efforts on Nequi and- and uh, Bancolombia A la mano. I mean we're seeing this very rapid growth for instance in Nequi, the number of uh, of users, uh, in the quarter alone, from 7.1 million to 8.6 million. And then uh, on- on the Bancolombia A la mano from 5.4 million to 5.7. and you're showing, which is very interesting, the uh, customer acquisition cost of 33 cents at Nequi and 36 um at Bancolombia A la mano. If you can talk a little bit about how you're driving this growth in clients and uh, what is incorporated in that acquisition cost. And uh, you know, is that something that you know, in- in many ways I think you could say it looks very low. But just how you view that, could it be lower, could it be higher? How should we think of that going forward? Thank you. Uh, thank you, thank you Jason. As- as you mentioned, uh, figures or numbers are very good on our digital product. And- and the growth that we are seeing, it's very positive. And I- I'd like to- to highlight that growth is because what we are offering is really useful for the people that it's uh- uh, it- it's supplying to these platforms. To- to uh… It is very easy to be a client of one of these platforms. And once you are a client, then you can just sign in in five minutes. And what you need, it's your id- identity number and two more or three more data. And uh, so that explains why. And what's happening is that we are creating a network bank, which means that we already have the numbers and the connection with Bancolombia. So people are really seeing that it's- it's useful for them to have access to cash to do, to do the cashing through our Bancolombia uh, network. So at the end, it's- it's the combination of a, of a very good platform with easy to use product. Uh, with the power of the Bancolombia networks, ATM, and- and also banking agents, which allow cash in and cash out in a very easy way, a very convenient way, and all around the country. So that's also, that's also a way to transfer money, to do payment. We are also integrating now our QR uh, strategy, our QR payments strategy with Bancolombia. So you can use both platforms, Nequi and Bancolombia A la mano to do payments with a QR uh, in uh, in a way that allow you to use your money in a very convenient way. Regarding acquisition costs, we already invest in the technology and marketing around acquiring customers uh- uh, in this number of clients is also very efficient. So we are including the direct cost of uh, marketing and uh, in- in that acquisition- acquisition cost. We don't expect that number to go lower or higher. We think we are in a, in a figure that is uh, it's very good and we will continue seeing that- that figure in the future. Can you remind us again, for Nequi and Bancolombia A la mano, like what percentage of the clients are- are new to the banking sector or new, or are already already clients of Bancolombia, just to get a sense of is it converting, is that acquisition cost converting a client at Bancolombia in Nequi or- or Nequi, or- or how should we think about that? Yes Jason, uh, 60 percent of the clients are uh, new clients for Bancolombia in the case of Nequi. 40 percent, four zero, are clients that are also clients of- of Bancolombia. So 60 percent are- are new- new clients. And this, also we are inaudible because that 40 percent that are clients, uh, common clients with- with Bancolombia, we have a lot of information about them, meaning that we can use analytics to really, uh, access those clients with uh- a loan offers. So it's- it's a combination. And that 60 percent are- are new. So that's- that's the combination that- that we have. In the case of Bancolombia A la mano, uh, the overlap is a little bit higher. Uh, but many, many of- of around 45 percent of the banks are new for- for the banking uh, system. So they are using Bancolombia A la mano as their main, uh, financial services platform. Thank you, very helpful. Thank you Jason. This concludes the time allocated for questions on today's call. I would now like to turn the conference back over to management for any closing remarks. Thank you everybody for your participation on the inaudible of Bancolombia's third quarter conference call. Uh, it- it has been a- a quarter in which we have uh, good results. Uh, we will see how the- the year ends. For the third quarter we- we are positive that uh, even though we will have some specific issues related inaudible it will be, it will be at the end a good 2021. So thank you everybody and uh, I hope to see you on our next conference call in which we will present the 2021, uh, result. Uh, have a good day everybody. <silence> This concludes today's conference call. You may disconnect your lines. Thank you for participating and have a pleasant day.