Thanks a lot. It's been amazing 15 years that you have given us, trying to understand the bank and the sector in detail. Just two questions from my side. One is internally at the Board level; do you have an upper limit on how much of gold loans the bank ca n take, and has there been any change recently? Number one. And the second question, when you look at the demand for MSME loans that you're seeing on the ground, if you could just kind of give some colour as to is this just simply working capital utilization that is going up taking advantage of raw material prices, cash flow mismatches, what is the nature of the demand that you're seeing on the ground? Or are you doing much higher balance transfers as compared to what you did earlier? These are my two questions. Thank you.
Just one clarification. When will you start tightening the filters on underwriting? As in what will it take for you to decide saying that things on the ground is starting to get a little bit more riskier than before? Given that we know where the fuel prices are and we know that there will be some impact on demand, what will it take for you to tighten the belt on that front?