inaudible are also clients of Bank Colombia. 60%, 60 who are just clients, uh, of, of inaudible Uh, and, and that allow us to, to, to inaudible mix and to know and to understand very well, uh, inaudible of those clients. In the case of Bank Colombia inaudible in which we have close to six million clients, those are more clients who you do inaudible areas, uh, in a, where they ha- have access, uh, to banking services through our platform, and also use the, eh, eh, banking agents that we have, eh, throughout the country, eh more than 21,000 to do the cash in and, and cash out. So it's, it's a way of, uh, covering the, the inaudible with these two platforms, uh, a big part of the population. And with those numbers inaudible, uh, so we have close to nine million customers in inaudible and close to six million customers on, on Bank of inaudible so inaudible 15, uh, million customers in, in both platform. And, and inaudible in, in the inaudible platforms. Either you are in inaudible or you are in Bank Colombia inaudible. In the case of, of Bank inaudible, now we have more or less 300,000, uh, clients that, uh, already, eh, are, eh, are, have, uh, uh, credit. Uh, so inaudible Bank inaudible it's now inaudible in which clients could act inaudible, eh, to create inaudible models within, within, a, eh, increase. So, uh, that's, that's a, inaudible we call the, the clients of, of both platforms, uh, inaudible Okay. Not, ve- ve- very clear. But just to follow up on, on this stuff, like, uh, I just wanted to hear from you, uh, do you think the digital initiative is all about the banks? Uh, I just wanted to hear from you, wh- what, uh, inaudible what is the link of inaudible, uh, of, of Bank Colombia, uh, just in terms of this digital initiative? Let, let me, let me see if, if I, I got the question, uh, question, uh, right. Uh, uh, the, the digital inaudible competition, now we have a very, very inaudible um, inaudible to have some traditional banks that, uh, has, uh, ourself move quickly to, uh, have a, a, a digital platform, and we are competing and we are, uh, really happy to, eh, inaudible, uh, uh, options to, to clients and to the market. And we are gaining in market share. Those are the traditional banks which are inaudible, but we are basically two banks to do this inaudible And then, we have inaudible fintechs and other, and other inaudible banks. We have, eh, eh, some other platforms that are, eh, inaudible <laugh> inaudible basically a inaudible. I'm sorry. And there are some offerings around inaudible, around credit cards, eh, on, on a, on those digital platforms. And that market inaudible will increase, eh, competition, uh, during the next, uh, year for, for sure. On the other participants inaudible the credit, but they are not very big right now. So what we think is that since we started six years ago now, and, and we inaudible have a method and we have, uh, a base of clients that we speaking of, we can get advantage of, of that, and, and keep offering new products to, to those of these clients. So competition will increase. Uh, for sure. But, uh, we, we think are very well prepared to take advantage of what we have through, in this market. Okay. This, this is what's very clear. Thank, thank you inaudible thank you, Carlos, again. Thank you inaudible Our next question is from inaudible Friedman with Citibank. Please go ahead. Thank you very much. Uh, can you hear me well? Because I'm, uh, with earphones. Yes, I can hear you well. Yeah. Yeah, I can. Thank, <laugh>, thank you, Jose Umberto. Thank you, Juan. So, uh, hello everyone. Yeah, congratulations on the results. And, uh, I have, uh, just, uh, you know, a couple of follow-ups as well. Uh, uh, initially, uh, if you could just clarify and give me, uh, give us a bit more granularity about, uh, the reasons, uh, for, uh, the, uh, you know, uh, uh, eh, deferred tax rate adjustments, uh, causing, uh, a negative impact in this quarter? Uh, and I explain why, uh, you know, uh, my question. The point is that when, uh, you know, the, the taxation increased, uh, in Brazil at least, uh, we, uh, uh, you know, reevaluated, uh, the tax credit stock, uh, you know, uh, uh, appreciating that stock. And this caused actually a, a positive effect, and extraordinary positive effect in the quarter, uh, when the banks, uh, reevaluated upwards, uh, their stocks of tax credits. Not sure, uh, if, uh, in, in your case you had a tax liabilities and that was why, uh, you ended up having a higher, uh, deferred tax, not lower. Uh, so, uh, this is the, uh, uh, you know, first question, just a clarification on, uh, what really caused, uh, the impact that if you had, uh, tax liabilities or tax credits, uh, tax assets. Uh, and, uh, the second question, uh, you know, just a follow-up here, uh, you know, on the, uh, digital initiatives. Uh, when I look into inaudible and Alimano, uh, it, it's interesting because, uh, you are evolving well, uh, in both. But, uh, you know some of the KPIs, uh, defer, uh, quite substantially. For instance, uh, you are, uh, at a 65% of active u-… you are at uh 65 percent of active users, uh in Nequi, versus, uh, you know, 55 uh, one year ago. Uh, when you look into uh, you know, A la mano uh, it's much lower, you know, just 41 percent. And uh, this has not really increased, versus, uh, last year which was at 40, uh, percent. Uh, the same happened to NPS. Uh, you know, Nequi had uh, approximately 81, uh, in the case A la mano uh, you have 64. So just wondering, uh- uh, w- what you are seeing in terms of uh, challenges, uh, for A la mano for you not to achieve, uh, the same, uh, KPIs, uh, you know, versus, uh, what you are achieving already a Nequi? Thank you. Thank you Jacque. Let me, let me take your second question and we will inaudible your first one which is related to deferred tax and why it was, or why it was a negative impact. Um, Nequi and Bancolombia A la mano are- are different platforms and Nequi, it's a neobank and uh, it acts as a neobank. And even though it's on the, under the umbrella of Bancolombia inaudible, uh, it's- it's separate in terms of how it relates with the customers inaudible <silence> Pardon me. Just hold the line one moment while we reconnect. I think Juan is having some issues regarding the call. Let me, let me answer, uh, Jacque, your second question, meanwhile Juan is reconnected again. Uh, you're right and in terms of- of deferred tax, uh, when we recalculate deferred tax based on- on the new tax reform, we have three elements.