I had a couple of questions. So firstly, let's say, in a hypothetical scenario that interest rates do come down by 100 to 150 basis points in FY '25. So if this happens then how will the NIMs look versus the current levels? And secondly, do we expect to maintain greater than 15% ROE in the next couple of years? And if so, what will be the reasons behind it? These are my 2 questions.
Yes, so the second question...