$NMIH главная реплика конференции Adam Pollitzer -- Executive Vice President, Chief Financial Officer In terms of guidance for Q4, we don't provide anything explicit, but I would note that we did just complete an ILN offering, right, and that will bring some additional seated premium costs into Q4. And while turnover, right, the run-off of business with higher embedded yield from earlier vintages made slow with increasing interest rates, it will still have an impact, it won't go to zero. So net-net in terms of a general steer, we'd expect that our net yield will trend down in Q4 from what we reported in Q3. То есть четвертый квартал будет ещё хуже. Надежды на восстановление к доковидным максимумам нет, увы. Остаётся лишь возможность снятия перепроданности и движение по тренду. Если и торговать в бумаге, то от уровней.