These aspects have an impact on credit quality and our analysis seeks to find the best risk x return ratio for our investor. In our investment process, in addition to analyzing the business profile and financial profile of the companies, we carry out a legal and investigative approach, which aims to identify issues of corporate governance, environmental, social, liabilities of related companies and their partners, judicial and extrajudicial proceedings , and any component that may compromise the company's ability to pay, both quantitatively and qualitatively, to anticipate, thus, possible financial and image risks. If we identify such situations, the process is discontinued. It is important to note that these observations apply not only to the credit analysis of the company in question, but also to the guarantees that make up the operation. So, for example, in an operation that we analyzed this year, one of the guarantees presented had environmental impacts and, therefore, we deny it.