Harish Kapoor

First of all just for the data perspective around next year , you did mention the spread index and this year at 13%, 14% is the growth, but when you are looking out to next year, the rate cuts that are kind of expected and you have reset which is done on a yearly basis , that is the kind of resetting.

Second thing, I just want to understand on the d isbursement side. You did mention some ground reconciliation and disbursement, but if we look at your business today, 80% largely is coming from DSA which is obviously coming to your team and filtering out the cases, but then that should be easier to get in from the DSA and centralization of disbursement, so where is the gap and where are you finding this to go more…

Just last thing is considering where the reset that you have had on a quarterly basis now, do you believe in the near term, is there any implication if the customers come and reset and do you believe you will be able to hold on to your 2.6% spread and margin for next year, do you believe that is reset lower for next year .