Gurvinder Juneja

Two questions. First, on a step -by-step basis from here to getting the Small Finance Bank operational, would you kindly lay down what are the exact steps? How have you planned those time lines? And second, the referral business that you're doing today and assuming you keep doing for the next few quarters, is there any noncompete when you actually become a small finance yourself that you can or cannot go after those…

Yes, please. Thank you, sir.