This diagram summaries our key research insights about the financial education environment in China and the growth journey of Chinese children. There are three key points we would like to share with you. Firstly, the data shows even though most young adults are worried about money, the financial education penetration rate in China is below 8% for children and teenagers. Secondly, consumption habits change through the time children grow, and during the junior school period, they are experiencing a transition time from passive to active. Thirdly, when children are under 10 years old, it is a critical time for habit-forming and value cognition. Overall, we chose the age group of 5-12 year old children as our target users.