The reason is the bad market environment. The poor market environment since 2022 has led to the loss of wealth management products. Wealth management products are also for investment, including investing in some bond funds or fixed-income wealth management products. Due to the current poor market environment, these investments will lead to a decline in the net value of products. However, people should uphold the belief that this market will not fall forever, and it will rebound after falling. It's only a matter of time. As long as the economy is recovering, the market will eventually recover and the net value of wealth management products will eventually come back.