I'd like to make a brief comment. It's possible that, for some players, a rate of 1.5% is good. In our case, some merchants have rates of 1.39% in total, that is including the established interchange rate and the other fees.
I think you have to do an in-depth analysis. That's what was very well explained by my colleague from the CCGD. I believe the cost analysis will give us a better idea of our situation, which we don't really know right now.