Ryan Wrobel:

The Temporary Investors Residency Program involves a minimum investment amount of $250,000 USD. You do have to submit a business plan. A plan to show that you will be employing Belizeans. But once you can comply with that application, it's a straightforward process that really typically takes maybe three or four months for the Immigration Department to process the application and prove it. Once you've been approved for the program, again, you are free to enter and exit as much as you want.

Siddiqui: Welcome to the Investment Immigration podcast by you Uglobal.com with weekly in-depth interviews with the world's leading investment immigration professionals. Welcome to another episode of the Investment Immigration podcast brought to you by Uglobal.com. I'm your host, Salman Siddiqui, and I'm joining you live from Berlin.

So today the focus of our episode is going to be on Belize. Now, not a lot of people know where Belize is. Actually. I've been talking to a lot of people, and just for those of our listeners who don't know, it's a Central American country. Belize City is a port city, and it has options for investment immigration for investors. And to help us understand what exactly those kind of options are there, I have a special guest in my episode. His name is Ryan Wrobel. He's the founder of Wrobel & Company. It's a law firm based in Belize City. Welcome to the show, Ryan.

Ryan Wrobel: Thank you very much, Salman. It's my pleasure to be here. And hello to all your guests.

Siddiqui: Thank you. So, Ryan, please tell us, how would you describe the appeal of Belize as a destination for individuals seeking residency through investment there? And please tell us more about this destination for those who don't know anything about it.

Ryan Wrobel: Okay. Some basics on Belize. We are a former colony of Great Britain and received independence from the UK in September 21st, 1981. In the past, our country was known as British Honduras, a crown colony once again of the United Kingdom. And with our independence now for some 40 years, actually, we are a tropical destination bordering on the Caribbean Sea. We also, as you rightfully put it, are part of Central America. So, we do have land borders to the north with Mexico, to the West and the South with Guatemala. And again, our eastern coastline is the Caribbean Sea. So, we're very much a tropical country. A lot of the allure of the appeal of our country for potential investors and people that would like to relocate is certainly our climate, for one. But also, the fact that we're a developing country and that we have a lot of room to grow. We are a country, in my opinion, that has a lot of opportunity for investment, a lot of opportunity for products and services that may be very familiar to those in Europe, North America, or parts of Asia. But what's something that would be very brand new for such a small country like ours? We have approximately 450,000 people at this point, and we are known as one of the least densely populated countries in the world.

Siddiqui: And Ryan, tell us more about your own journey to Belize. Were you always there or did you move there? Sure. So please tell us a little bit about your history and something about your firm.

Ryan Wrobel: I'm originally from Western New York State in the United States of America, specifically the city of Buffalo on the Canadian border. I was born and raised there. I actually went to university in law school there at the University of Buffalo School of Law. After my education in New York, I went to England, where I pursued a master's degree in law at University College London, part of the University of London Educational Experience. After London and acquiring my master’s, I returned to New York State, where I passed the New York State Bar exam and became a member of the bar, and a licensed attorney at law. I practiced for one year in New York State, up north there, and then moved to Belize. And that was back in 2005. So, it’s going on almost 19 years that I've been living here in Belize. I'm a proud Belizean citizen at this point, have a young family, a six-year-old son, and a wife, and I’m really happy to be here in Belize without regret. So, it's been kind of a long journey and a lot of trials and tribulations and pitfalls, but we've overcome them. And again, no regrets about relocating here to Belize. That's the short form story.

Siddiqui: Really interesting. Also, that you made quite the journey to Belize. And may I ask like, how did that happen? And do we see a lot of Americans and people from the UK coming to Belize to stay there for the long term?

Ryan Wrobel: Certainly, we do have a growing expat community, not only American citizens but also Canadian citizens, certainly British, a lot of European nationals, Germans, Austrians, French. I can go on; Italians, different pockets of the country. But we are definitely welcoming to people that want to relocate. Emigrate to Belize. Please invest. Retire. Again, we're an underpopulated country, so we're looking for people with great ideas and a great work ethic. And I believe there's plenty of opportunities for those to relocate here. So yeah, I do see quite a few expats. There are some areas of the country that are more popular than others and certainly some portions of the country that are more popular to certain nationalities. But yeah, certainly to answer your question, over the years, I've seen a tremendous increase in people immigrating to Belize to start a new life.

Siddiqui: And let's talk about how they're ending up there, exactly what the process entails. So please give us an overview of the various investment immigration options for obtaining residency in Belize and give us an idea about the processing times it takes to come to Belize.

Ryan Wrobel: Well, we have a few different immigration programs. I can highlight those. I mean, the standard way to immigrate to Belize would be to enter under what we call a visitor's permit. Effectively, you're essentially a tourist visa as you enter the majority of European or North American countries, you can enter our country visa-free or visa. On arrival, you are provided with a visitor's permit that's good for 30 days. If you choose to stay longer, you can certainly renew that for another 30 days at one of our local immigration offices. Once you've been in the country for one year legally, you are entitled to apply for permanent residency. A permanent residency process. The application process does take a bit of time, approximately one year to 18 months for processing a permanent residency application. Now, during that application time period, you do have to maintain a normalized legal immigration status. But once you're granted permanent residency, there are no additional needs for visitors permits, work permits. Once you obtain permanent residency in our country, you are free to, of course, permanently reside, come and go as you please. Work, invest really without restriction. Moving beyond that permanent residency. Once you do hold permanent residency for five years, you'll be entitled to apply for nationality with the eventual Belizean passport if you're so inclined that that is what I would call the standard immigration track for Belize. Now we do have a few special programs, one of them being specifically for investors, and what it's called is a Temporary Residency Program, a Temporary Investors Residency Program, excuse me, the highlighted term is they're temporary because it is good for one year, although it's easy to renew, but it is not permanent.

And that should be that is the main difference between permanent residency in this Temporary Investors Residency Program. It does entail an investment of at least $250,000 USD, half a million (500,000) Belizean dollars. And I should say for those listeners that aren't familiar, we do have a fixed currency. So, it’s two Belize dollars equates to 1 USD, and there is no fluctuation. It is static. Again, the Temporary Investors Residency Program involves a minimum investment amount of $250,000 USD. You do have to submit a business plan. A plan to show that you will be employing Belizeans. But once you can comply with that application, it's a straightforward process that really typically takes maybe three or four months for the Immigration Department to process the application and prove it. Once you've been approved for the program, again, you are free to enter and exit as much as you want. Free to stay in the country as long as you want. Understanding that there is a renewal necessary on a yearly basis, I can tell you the renewal fees are very low as well. This program was really designed for people that have business investments in Belize and perhaps elsewhere.

Again, to really afford a free entry and exit to the country to avoid those 30-day visitors permits. So, another important distinction between the Temporary Investors Residency Program and the permanent residency program that I mentioned initially, is temporary investment residency program applicants that would never lead to nationality, permanent residency nationality, or the eventual passport you are treated as. I guess you could look at it as a permanent tourist with extra privileges. Again, privileges to enter and exit and stay as long as you want. But if you would be interested in eventual nationality, the right to work, the standard immigration program, or the standard immigration track is the way to go.

We also have a third specialized program for potential immigrants, potential relocating persons, and it's called the Retirement Program or the Qualified Retirement Program. Now, this program has financial requirements, and essentially you have to be able to prove as a successful applicant that you can bring into our country 2,000 USD per month or 24,000 USD per year that would need to be transferred into a Belize Dollar account, effectively converting your currency at a rate of 2 to 1. The source of that $24,000 a year must be coming from a pension, some type of Social Security program or an annuity, or some type of long-term guaranteed revenue stream. Once you're approved, and you can comply with those prerequisites, you are allowed to enter and exit the country as long as you want.

You are allowed to stay in the country as long as you want. There is a renewal process as well on an annual basis, with very low renewal fees. You're issued an identification card which allows you to avoid our exit taxes here in Belize at present. A qualified retired person, or QRP, is prevented from investing in the country or engaging in any type of work or employment.

We do understand from very reliable sources within the government that that’s going to change very soon. There will be an investors component to the qualified retirement program in the near future. Now that will entail an amendment to the Qualified Retirement Retired Persons Act, but I've not seen a bill, it has not been implemented at present, but we are very hopeful that it will be a bit easier not only to comply with the program because we understand that there'll be more allowable income streams for that $24,000 per year, but also the ability for qualified retired persons to invest or work in this country as well. Again, that's looking ahead and has not been implemented right now. The rules as we're speaking about the qualified retirement program today, prevent or prohibit what we call them from working or investing. Again, we hope that changes. And those are the three major routes to becoming a resident of our country.

Siddiqui: Thank you so much for giving us an overview of those three routes. Now let's stick to the Temporary Residency Investor Option that you mentioned. And from what I could understand from you is that this particular route will be more popular for people who come from countries that don't have visa-free access to Belize. So, anyone coming from, for example, China or Russia or other countries would be more suitable for this route. Is that how it is?

Ryan Wrobel: I would say that the program does not have any restricted nationalities. It's all based on application. What we've seen thus far, the majority of the applicants are coming actually from North America or Europe predominantly. But that being said, I mean, it would not exclude applicants from other parts of the world that may not be able to receive a visa upon entry. Of course, this type of application would need to be submitted, processed, and approved prior to entering the country, but it could be a potential route for certain nationalities like Chinese nationals or Russian nationals. Indeed.

Siddiqui: I see. Okay. So, the target audience for this particular route is not fixed on any nationality. But you said this cannot lead to permanent residency. So, what kind of investor usually utilizes this visa? Is it for just short-term gains?

Ryan Wrobel: It's really the typical applicant that I see for the temporary investors’ residency program would be certainly somebody with desires to invest in our country or perhaps even has an existing business, but splits their time between Belize and another country. This program certainly provides the ability to stay in Belize for the long term. And also, what it really provides is that ease of entry and exit. (There’s) No specialized visa after the point of acquisition of this temporary investor residency status. Usually, I would say an international investor that has business investments around the world, not just in Belize or any one country but wants to come spend perhaps the wintertime periods in Belize, when we have such lovely weather to check on their business on the ground in Belize, somebody that may just be interested in investing in our region or our country. And again, just to facilitate smooth immigration entries and exits.

Speaker2: I see. Okay. Understood. And thank you for clarifying that point. But if you could share more with us exactly where they can put their money through this investment route. So, you mentioned that they can invest in a company through this route but cannot buy real estate. Is that how it is? Or are there other real estate options there?

Ryan Wrobel: Sure. There's a tremendous amount of real estate options in Belize, first and foremost from the very low-end to the very upper-end. I mean, we've had clients purchase parcels of land, lots, to live in a very modest fashion for 10,000 to 20,000 USD. We've had clients that have purchased multi-million dollar private islands; three, four, five, 6 million USD or larger. One thing to be highlighted, I did mention that we are on the Caribbean Sea. We have more than 400 islands or keys off of our coast of varying sizes. So that's often a very attractive potential investment for some of our higher-end clients. Certainly, with a long coastline, there are abilities or opportunities to invest in the mainland Central American mainland that are still on the water as well as rivers, and inland waterways.

Siddiqui: So how do they do that? Do they do it through this particular investment route?

Ryan Wrobel: Well, not necessarily mean it. Certainly, they can invest this way, but they need not. So I call this program the temporary investors’ residency program, separate and distinct from the straightforward ability to invest in this country. We do not have any restrictions on foreign ownership of lands, or foreign investment. We are very much open armed and welcoming to any type of foreign direct investment as long as it's coming from legitimate sources, of course. But there really are very few hoops to jump through, for lack of better words, to invest in this country. Now, certainly, you can purchase land, you can purchase companies, you can start a new company through the Temporary Investors’ Residency Program and get credit for, for example, the purchase of the underlying raw land that you may develop that business on. As it relates to that quarter million US 250,000 USD worth of value. There may be other aspects of the fledgling business that can go toward that investment machinery, , any type of equipment that may be needed to be imported into the country that would go to satisfy that 250,000 United States dollar minimum? Again, it is an application. It involves not only proof of that level of investment but also a business plan, a plan to employ Belizean labor. We have seen clients that have invested in tourism-related properties, resorts, and hotels that have purchased raw land erected structures, hired local staff and that has certainly qualified. But that's just one example. There's not any specific or I should say the program is not limited to any particular types of investment, be it tourism, agriculture, . Okay, understood. But open to any.

Siddiqui: Yes. So like, let's talk about a hypothetical situation. Suppose an American investor is listening to our show and wants to come to Belize to buy a hotel, property, or business there, let's say a hotel. Okay. So, what do you recommend to that person? How to go about it, how they should first come to the country through what visa, and then how they should go about searching for the hotel for them.

Ryan Wrobel: If our hypothetical potential relocator is an American citizen, the advice that I would provide to them is first and foremost, come down and see the country for yourself. Ask questions. We live in a very safe country, rent a car, visit the various areas of this country, and see what's best, the best fit for you, not only the region within Belize but also investigate, do your due diligence to see what we need as far as services or products to get a better idea of this market, this particular economy. We're very unique as far as American investing in this country. Certainly there would nothing be nothing prohibiting them from investing as an individual. Now, if we wanted to limit some liability or have some advantages with regards to taxation, it may be that they wish, would desire to incorporate locally, or perhaps even use an existing company and set up a branch of that company here effectively registering a foreign company or what we would call an overseas company to conduct business in Belize. Very little restriction. So, a lot of flexibility and options there. Certainly, something that our office can advise on for clients who would like to learn what their goals are so we can advise according to those specific goals to help them achieve those goals. But I think the best advice there would be to come and investigate this country and look around to see what we need.

Again, it's a small country for American viewers. We're about the size of the state of Massachusetts for people in the UK. Over in Europe, we're about the size of Wales. In the United Kingdom, Great Britain, it’s small but very diverse. You can be around the country and as little as a few hours, but there are, as I mentioned, offshore keys or islands for people that are interested in scuba diving, fishing, snorkeling, and boating for that matter. You can be inland near our western border with Guatemala, and little as two hours it's much more hilly, mountainous jungle toucans, jaguars, and very exciting, exotic environments. Up north in our Corozal district, we're on the border with Mexico. Very different environment there. And also, just a hop, skip and jump away from Mexico. The larger city there is called Chetumal and they have quite good medical facilities, and it's a larger city. In fact, that city is about has the same population as the entirety of Belize. So, a bit of taste of Mexican culture there. Down south, it's a bit more rural, but we have these pockets of really exciting places throughout that are very attractive to expats.

Siddiqui: And so what happens after? For example, they buy a property, let's say, for example, somebody likes a nice apartment or a villa there. They buy that property. Does that automatically entitle them to residency there in the country?

Ryan Wrobel: Okay. No. In fact, the ownership of real property in this country, neither helps nor hinders the ability to relocate or reside in Belize. Certainly, it assists with the temporary investor’s residency program. If that is part of the investment that makes up that $250,000. But there are no routes to the speedier residency by way of the purchase of real property on its own.

Siddiqui: I see. Okay. So, thanks for clarifying that point. So then somebody who wants to buy a property and say move there with their family, you recommend them to first, then come via this Temporary Investor Residency route then?

Ryan Wrobel: Well, it really depends. I mean, again, the Temporary Investors Residency Program is really designed for those people that don't necessarily want to permanently reside here, although that is a possibility under the program. It was really designed to give for the ease of entry and exit. So, it’s for somebody splitting their time, if you want to call it that. We have a lot of snowbirds, people that live in Canada that come down during the winter months, and go back to Canada in the summer months, although that would work really. Again, it depends on particular goals. If someone was desirous of obtaining eventual nationality and passport, the Temporary Investor's Residency Program would not be for them. Some people are not interested in that. And therefore, again, that program may be a better fit for them, depending on particular specific goals of individuals.

Siddiqui: And do you have any option for digital nomads? As you know, a lot of countries are offering routes to digital nomads, especially after the pandemic, during the pandemic. So, what kind of options do digital nomads have in Belize?

Ryan Wrobel: At present? We do not, though Immigration Department is working on this. We've received information that these are around-the-corner immigration programs targeted at digital nomads. Unfortunately, we have not seen that implemented by law just yet. So right now, digital nomads would have to come under or enter the country under one of those three residency programs that I mentioned earlier. So qualified retirement or qualified retirement program, the program that I mentioned, that's specifically qualified retired persons. Any income they have that derives from outside of Belize is specifically excluded from taxation and the age requirement is 45 years old. So I can definitely see that there would be some digital nomads that would fit that bill that could come in under that qualified retirement program, perhaps not being of what we would consider to be a retirement age at 45. Yet, being able to work from Belize, as long as they're not selling goods to Belizeans or providing a service to people on the ground in Belize, again, any income that they may derive through the Internet from sources outside of Belize would be specifically exempt from taxation in Belize. You can see that program being useful to digital nomads. And I can tell you that we have had clients, digital nomad clients, certainly beginning just before the pandemic and throughout the pandemic that were living and working here at some very beautiful beachside locations and taking advantage of that particular program.

Siddiqui: So if you could also share some trends of these two particular categories, especially the one focused on retirees and the other on the Temporary Investor Residency Program. So which is more popular in your experience, especially among your clients? And over the years, has that trend changed, and from which countries they are traditionally coming from?

Ryan Wrobel: Sure. Well, speaking on the Qualified Retirement Program first, that program has been extremely popular with those persons that are not necessarily desirous of investing or working in this country, but more relocating and working from this country like a digital nomad. One major benefit of that program that I didn't highlight yet and again, we're talking about the ship program or Qualified Retirement program. If you are successful in your application to this program and accept it as a ship, you are entitled to import household goods. And what we will be talking about, there would be appliances, furniture, bedding, essentially the contents of your apartment or your home. You'd be entitled to import those goods completely tax-free into Belize. It is a massive benefit. We have a myriad of taxes that are applied to imported products in this country. We're an importing nation. It would be entirely tax-free. Custom duties are VAT taxation, various revenue replacements again, 100% tax-free in addition to household goods. Also a motor vehicle and a boat and a light airplane, completely tax-free importation. So it's a really strong program and that's been our most popular program for people who are desirous of relocating to Belize, but not necessarily selling goods or providing services within this country. And once again, it should be highlighted that any foreign income or revenue streams for a QEP would be exempt from taxation in Belize.

Siddiqui: And in terms of the applicants who apply for these programs, whereas the trend usually from.

Ryan Wrobel: I would say Europe and North America for the most part, predominantly as far as a leading nationality, I think it's pretty close. Canadians and Americans following up, I'd say British certainly, and then thereafter, French, Italian, German, I would say. But we have a sprinkling of nationalities from all over the country, predominantly under that Qualified Retirement Program. I think North Americans, Canadians and Americans, just because of our closer proximity to them, mean we're less than a two-hour flight from Miami. We're about a four-and-a-half to five hour flight from the Eastern seaboard, like New York, Boston, Washington, D.C. area, and Toronto. So we're close, a striking distance, a little bit over two hours to Houston, a little bit over two hours to Los Angeles. And we do have strong connections to Panama and El Salvador for Latin America and other nationalities that may come through Panama.

Siddiqui: And speaking of these other countries in the region, I also want to know your perspective about how why Belize offers better options to foreign investors compared to, say, other programs in Panama, for example. I was talking to just yesterday to somebody from Costa Rica who was saying that investors don't have to look at any other place but his country. So how do you convince potential clients not to look at other countries and just that?

Ryan Wrobel: I am familiar with the Pensionado programs that they have in Costa Rica and Panama. And I would tell you that those are probably our two largest competitors as far as trying to attract people to retire to Belize, relocate, or invest in our country. I would say that Americans and Canadians are predominantly our number one and number two immigrant groups for these types of programs. And the number one reason is the English language. So, we certainly have that over Costa Rica and Panama For English speakers on native English speakers, our laws are based on English common law. We are a democratic nation with no history of civil strife, warfare, or bloodshed, very different from our Latin American neighbors. They have a different history. We'll put it like that. But the English language tends to be our strongest attractant or selling point. In addition to that, Costa Rica and Panama are not underpopulated countries. These are big countries with big cities and big country, big city problems as well. Call it pollution, crime, . Belize is so small; I'm speaking to you from Belize City. We are the largest city in the country. We have approximately 100, 110,000 people, a small town in some countries. Again, the country as a whole. We have about 450,000 people. This is a smaller village-like community. You almost know everyone knows each other or knows at least family members and things like that. It's not so how can I put it? It's a smaller, family-friendly, friendlier environment than some places with bigger populations and bigger population problems. So I would say that coupled with our English language, English is our first language in media, in law, and . We also have a lot of Spanish speakers in this country as a second language and some German and Mandarin. All different types of languages are spoken on a lesser level. But the English language and the fact that the Westminster system is used here, and English common law is the basis of our law. No restrictions on foreign property, foreign-owned property. A lot of those countries do have special restrictions with regard to investments. So those are a lot of our selling points or why I think Belize is a better place to invest and reside for some, not for all.

Siddiqui: Yes, a lot of foreign investors. For them, language is a big concern, and English being the most spoken language is something that a lot of investors look for. So, thank you for mentioning that. Now, let's also talk about some of the more lesser-known benefits or advantages of obtaining residency in Belize. So, let's talk about the tax benefits that can be gained by an investor coming from the US or Europe, for example. So could you talk more about that as well?

Ryan Wrobel: Sure. Well, out of the programs that I've mentioned already, the standard immigration track, permanent residency, there's no real tax advantages there outside of those nationalities like Canada, for example, that tax is based on residency. So there's a good chance that if you for a Canadian, by establishing residency in Belize, giving up their Canadian residence, our tax system is far, far more palatable than a lot of the developed nations around the world. So that could not be an overt tax advantage. But in the grand scheme of things, you may find certainly a Canadian citizen example, if they change their residency, believes they may see some. Tax savings, the qualified retirement program I mentioned that any foreign source income is specifically excluded from local taxation here beliefs. So that would be a tremendous tax incentive. I would say. We just won't tax that income. We want you to hopefully spend your money here, invest in a home. Your cost of living or living expenses will be extended here. So that's what we're looking for. And again, foreign sources of income specifically excluded the Temporary Investors Residency Program. There are not any tax incentives there. Again, the benefits are involving entry and exits and the ability to stay here long-term.

I can lead your viewers, and your listeners to Beltraide. Beltraide is a government department that was set up specifically to attract foreign investment. These are special programs, but it's called the Belize Trade Investment Development Service. It is Beltraide Bsed. They have special programs that you must apply through that organization for key sectors, key sectors like agriculture, call centers, BPOs, or business process outsourcing tourism. There are different thresholds as far as investment that may lead to special incentives that could include tax incentives. It probably would include import duty exemptions for bringing in products, building materials to set up that company. It's really handled on a case-by-case basis through that special department. It's not one of those kinds of standard residents residency programs that I mentioned earlier, but something for when I would say to larger scale investors, something to investigate and dig further there because there may be some benefits that could be found sort achieved there. But again, it's not blanket coverage. It's case by case basis as it relates to those applications and the types of benefits that you might receive.

Siddiqui: So, we are coming close to the end of our episode. But before I let you go; I also want to know what you would like for the program to attract more kinds of investors. From what I could understand from you, the focus is more on the Americas and Europe and the applicants who are coming to Belize. But there's a potential maybe, I don't know, from the government side to create more awareness about this program so that applicants from other parts of the world also become aware and start to come.

Ryan Wrobel: Yeah, I understand. We are a developing nation, so the government's budget is tight as far as marketing and advertising, what we have to offer to the entire globe. Of course, at this point, the government is focusing on kind of our neighbors or in our neighborhood. At this point, we still do not have direct flights from Europe. We're hoping that that will come in the near future. So, for Asia, Europe, and Africa is still a distant distance away. I can tell you that our tourism board last year set up a booth at a very big tourism trade show right in Berlin where you're speaking from. So we are attemptingm as far as the government of Belize, to reach a little bit further out to let people know that we exist and these attractive programs we have. I would like to believe that as that exposure increases, we will have more nationalities that are aware of the program and more nationalities here in Belize. To add to the cosmopolitan nature of this country, we are a melting pot of various races, ethnicities, languages. And we again are open to additional members, people that would like to join a lovely community like what we have here in Belize.

Siddiqui: Thank you so much for sharing your overview of Belize's program. And a lot of people who wouldn't know anything about Belize and especially the residency programs, the investment immigration options there would have learned a lot from this episode today. So, thank you so much for joining our show.

Ryan Wrobel: I appreciate the invitation. It was a pleasure speaking to you and your listening audience today. Any additional information that they may need in the future? My website address label is lawbelize.bz. We do have a newsletter that goes out every month, so you could sign up right on the website that keeps our newsletter subscribers in touch with the latest happenings here in Belize as it relates to investment, residency. And I would love to be an asset to you and your listeners in the future, so please reach out if you have any additional questions. And thank you once again for the invitation.

Siddiqui: Thank you so much, Brian. And in the end, I would just want to say to our listeners that please stay tuned to our show. We'll be bringing guests from all around the world to talk about investment, immigration options that you would love to hear more about. So, stay tuned. Thank you.

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