Bank balances carry an interest rate based on daily interest and are payable immediately. The call funds and deposits are also interest bearing and have a short term (varying between 1 and 90 days). The decrease in cash and cash equivalents is partly related to a lower outstanding balance for customer security deposits. Additionally, there were several major investment expenditures early in 2024 for which we had already raised cash and cash equivalents at the end of 2023.