I appreciate your participation. I read an article about the payment market today. As my work is to develop our products for the whole world, I'd like to know how you make payments in your country. Have you ever heard about Alipay? It's considered one of the three best modern inventions in China because it makes our life much more convenient and simple. As for me, I've become used to going outside without bringing my wallet over the past year. I've heard that Visa, MasterCard, and Paypal are very popular in other countries. But it's not clear how much of an important role they play in your daily life.