I have two questions. The first question is, in this quarter, if I were to look at our issuer solutions, we have seen a sharp margin expansion. And if I just look at the incremental EBIT on incremental revenue, that also looks pretty high. So just curious to see whether there were any nonrecurring items in this? And what drove the strength in this particular segment this quarter? That's my first question.
Okay. Excellent. My next question is, if I were to look at our stand -alone on the employee expenses side, at least for the last 2 to 3 quarters, that has actually been rising in single digits. While that has given us a very good operating leverage at a sta ndalone margin level, I'm just curious to see how sustainable this is? And to relate that to your point on how you're looking for AI an opportunity to disrupt yourself rather than somebody else disrupting you and investing a lot more in productivity -enhancing measures, whether the employee expenses rising in single digits for the stand-alone business alone is something we can sustain? Or do you think that should normalize as we actually gain in scale?