I have 2 questions. One what would be your average loan tenure? And what would be your average loan to value in each of the segments, housing loan, quasi housing loan and your small business and personal loans?
And the second question is a follow-up on this. Now, considering your most of the loan book is on the fixed rate, so going forward, obviously, because of the direction from Fed as well, they would start reducing rates. So, probably the Indian banks, the RBI would also start reducing rates. So, how do you see that business? Because people, if you have a fixed rate, so there would be a difficulty in getting the old customers in terms of the tenure that you have given to stay with you because they would want to do a BT with some other financiers.