Good day, ladies and gentlemen. Thank you for standing by and welcome to the GI In-Group second quarter 2024 earnings conference call. Currently, all participants are in a listen-only mode. Later, we will conduct a question and answer session and instructions will follow at that time. As a reminder, we are recording today's call. If you have any objections, you may disconnect at this time. I will now turn the call over to Mr. Sean Tang from Investor Relations of Jiayin Group. Please proceed. Thank you, Oper ...