Congratulations on a good set of numbers. Sir, like one question I had on disbursement, I think you answered that in terms of like q-o-q, the growth was flattish in disbursement. I understand that, but I also wanted to understand like in terms of asset quality, I understand like our GNPA has been stable. Do you track any data in terms of our customers in either defaulting or anything like that in their unsecured or in their other loans? And do we have any set of data or anything of that to track?
Okay. Because the stress was not just seen in MFI but also in unsecured portion of even some large banks. That's why I was trying to understand that. And also, sir, like in terms of fee income, I understand like this insurance broking business is just pann ing out and it can also grow. But do we see any other forms of fee income drivers that can come in the future? Like do you foresee anything like that?