Sir, two questions. One is, we have clearly seen MFI growth overall slowdown and for good reason. And general feedback from the industry players is that even in FY26, at least even if it recovers, growth at an industry level is likely to remain slow. So, if we overlay that on your in general, assuming a 25% overall growth in FY26, MFI continues to taper off. So, does that impact your PSL objectives for ‘25 and ‘26 also? And a subsequent question to that, will that impact the overall cost ratios also because some of the efficiencies like you said, you had with the Fincare merger in FY25, those are unlikely to be present in FY26 and plus you will also have branch expansion over there. So, just something from the Opex perspective, trying to tie up the 1% odd cost to income reduction that you're expecting for FY26?
And a second question, Rajeev sir, just on the MFI book. You have mentioned non-overdue collection efficiency of 98.5% as of the 3rd Quarter. Would it be possible to disclose how much this was as of December end? This is a non-overdue part and even on the forward rate of the MFI book from SMA to NPA, are you seeing an improvement there also in December?