Some Challenges For Selecting Indispensable Issues For Unsecured Business Loans

-------------------------------------------------------------------------------- Jason Hurwitz, VTB Capital - Analyst [19] -------------------------------------------------------------------------------- Alex Kantarovich, JPMorgan - Analyst [21] -------------------------------------------------------------------------------- Oliver, could we elaborate a little bit on acquisition costs? I appreciate that you signal cost to income ratio reduction, but my specific question is on customer acquisition costs, how they would compare 2017 versus 2016 in your take? --------------------------------

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