Hi, Sam, will Endowus's fees remain low or even go lower as Endowus continues to grow and achieve economies of scale?

Hi Ryan, yes we want to remain and keep costs as low as possible and we will use every opportunity to lower costs to the lowest level achievable and we will do that as we increase in scale. We will negotiate harder for you and work out exclusive products, access and costs to achieve that. We expect our clients total cost of investing to continue to come down. We also have a sliding scale and as you achieve investment success we hope that you will be able to build your wealth to the higer tiers that will also be at lower cost levels. That is a win-win for all of us!