Besides proportion of CRE order decreased as mentioned above, Per BU KYC, buyers of Br’s CRE projects were dispersed and selected prudently with tight AR control, which leads to 1) nil AR overdue and bad debt; 2) AR from CRE project run down gradually; 3) nil prepayment for CRE project; 4) stress test conducted with assuming existing CRE AR (13%) was not able to be collected (around RMB102M), it can be covered by its own net profit generation (e.g. RMB202M) and deposit (e.g. RMB167M);