Kaushik Poddar

Yes. On the cost -income ratio, which is a little high around 56%, 57%, where do you see it in another 2 years?

See, your operating expenses in the first half, both the quarters combined, has gone up nearly 25%. And even your cost -to-income ratio is at a high of 52.6% or 52.5%. So that seems quite high. So what's the road ahead?

You'll be able to change -- I mean, the cost to income of 50%.

Including this incremental cost for this newer initiative, so this 50% will be at the firm level, at the bank level, or you are...