Which is the prepayment of interest (payment holiday period + risk premium). This is our primary securitization method. It gives optimal balance between risk management and the best possible loan terms. Contained within this charge is the first 2-3 years of interest payments. Plus an approved risk premium as surplus (ICA credit). In exchange for this upfront payment, the borrower gets a 2-3 year payment holiday at the beginning of the loan. After the holiday period, the ICA surplus is retained as credit. Which is returned to the borrower at final settlement. We’re also able to drawdown from the leftover surplus if we need to recover losses. So if a default occurs, we’ll do this before utilizing the company assets.