First of all, you can choose the kind of consumer loan from the bank, and its interest will not be higher than this kind of commercial loan. Because these institutions are commercial loans, and the annual interest rate is basically around 18%, then I am not a commercial loan from a bank or not? Consumer loans are basically around 10%. Actually, you should consider this. Later, it was not this inexplicable form. It is estimated that it is a loan portfolio, and my interest rate is still a lot higher.