So sir, my question is again on the same as for the previous participant. I mean , because the growth is also led by the fresh kind of premiums just wanted to understand , how the renewal book is performing in terms of claims ratio and those vintages what has been the performance in terms of the claims ratio.
Got it sir. So sir, you guided that the claims ratio would be more or less in the similar level going forward. So hence the question , I mean, because growth is also led by fresh pre miums. So can we see that kind of inching up going forward -- so that's why the question , but yes, I will wait for your data and all? Sir, the second question is on the expense ratio. You mentioned the benefit will come from the expense ratio side that would be in the order of 2% to 2.5%. So what are the levers for improvement that would be on operating leverage side or something else if you want to call out.