Uh, the loan portfolio, the bonds, both as you mention has a positive affect on- on the deferred. But there is another element, which is the- the goodwill. In the case of goodwill, because we have uh- uh eight billion peso in goodwill, it is the other way around. And that's the reason why it affected our taxation. And you can see that 38 percent taxation inaudible because of the combination of these three factors. The first two, loans and bonds, are positive as you mentioned. But the third element, which is bigger than the other two, it is affecting in a negative way. That- that explains why the tax increased. Perfect, very clear, uh, Jose. Uh, thank you very much. Thanks. No, no, no, my pleasure. Juan you can continue with his question. I- I don't believe we have him back. Just one moment. <silence> Okay, I- I think it's Juan having- having again some issue. Complementing the answer of- of Juan, as- as in the previous question, we have two different profiles in Nequi and A la mano. And- and the- the- there are big difference. First, Nequi is more oriented to people who live in the cities and A la mano is more oriented to people rural, who live in small towns. So we complement the offer. Uh, the challenge is how we are able to maintain the activity for the first 30 days. And we feel proud saying that we have very positive numbers in both. And- and the reason is because we are using, not only to receive for example in the case of low income population, uh- uh, different subsidies, but also because they are actively using for transactional, uh- uh ways. Juan, you can continue with the, with the, with the answer. Now you are connected. Uh, thank you Jose. I- I am sorry. I had a little disconnect from the call. Uh, I was, I was saying, answering Jacque, and- and those- those are different platforms as I mentioned. So Nequi is a small neobank, uh, it's not related to banks. Uh, it's different products. And Bancolombia A la mano is an offering from a bank, uh, and targeting uh, lower income individuals with less education, so we have more challenges there. Uh, I- I… the inaudible active users that you mentioned in Bancolombia A la mano is not, it's not a bad number. I think it's- it's actually pretty good compared with- with other platforms. And- and we are measuring this as one month activity. Uh, and activity is uh, monetary transactions. It's not just uh, entering the platform to- to- to consult the uh, the balance of- of the product. It's more transactions, so 55… And Nequi is better because we- we have a better, uh, uh, resource on Nequi. And the inaudible that you mentioned, 64- 64 to 81, 64 is not bad. The point is that 81 is extraordinarily good, uh, in the case of Nequi. So we have challenges to keep evolving the Bancolombia A la mano platform. But we are very comfortable with those two strategies. And as I mentioned in an answer before, those uh, clients are- are inaudible so it's a total of close to 50 millions clients on this platform that are accessing financial products in a very simple way and accessing also the physical challenge of Bancolombia, which is a big advantage. So those, the customers on both platforms, uh, have access to the ATM uh, network, Bancolombia ATM network. Also the uh, banking agent network, which I mention is more than 21,000 uh, bank agent around the country. That's perfect Juan. Thank you very much for the answers. Thank you Jacque. Our next question is from Carlos Gomez with HSBC New York. Please go ahead. Thank you for taking the question and for extending the call. Um, I want to come back to the tax issue. inaudible Uh, but just to clarify the last thing that you mentioned. You have a positive impact for um, loans and for bonds. You have a negative for goodwill. But coming back to- to what you inaudible if in the future we have a reduction in the effective tax rate, should we expect a negative impact, uh, in your result, in the short term, because of the reversal of- of what you did today? Uh, and the second is, when we go to next year or the year after, once we normalize, uh, your inaudible, uh, given how your business and the tax rates that we have, what again is the sustainable ROE that you think the bank can produce? Thank you. Thank you Carlos. I will take the second question, uh, regarding the sustainable ROE. Uh, we- we think that uh, the- the midterm ROE of Bancolombia should be around 14 percent, between 13 and 15 percent. That's our target. Uh, and we think we could achieve that in 2023. Still, 2022 will be a year we need to do some adjustments. Uh, it's going to be lower, double digits- digit ROE. Uh- uh, on the 2023 should be- be the year in which we reach uh, return ROE closer to, between 13 and 15 percent. Jose could you, could you take Carlos better crosstalk regarding uh, certification around- around taxes? Yes Juan, uh, yes Carlos, as you mentioned, this is a one off. It is affecting the third quarter tax. Uh, and again, at the end of the year, we will expect the 32 percent. And yes, next year we will expect the 30 to 34 perfect, 35 percent tax. And also, obviously it will affect the profitability because we were not expecting, uh, that increase in taxation. But again, this is a one off and we are not going to see a recalculation of that next year, assuming that the deferred tax will maintain the same 35 percent. I don't know if that answer the question Carlos. No, the question is if in the future there is yet another tax reform, you usually have one every two years- Yes. uh, and this time the tax rate goes down, if- if the tax rate goes down, we should expect- Right. crosstalk one of negative impact. Right? Correct, that's correct. If the taxation comes down, the recalculation of goodwill will affect in a different way as you mentioned. That's correct. Okay, thank you. And if I can follow up on the, on the ROE question. For this year, you have a very specific, uh, outlook when we were talking at the end of 2020. Uh, and you were quite down, but you were expecting six to eight percent. Uh, in the end you are going to report a much better number. Is it mostly the asset quality or other factors, uh, now looking back that most of the year is gone? Uh, are there other factors that have made this year better than you feared initially? Carlos it's mainly driven by asset quality, uh, that was better than we expected. But I will, I will, I'd like to highlight that all lines inaudible expenses of the bank are- are doing pretty well. Uh, inaudible