Yes. Hi, sir. Thanks for the opportunity. So, sir, if we look at AU Bank, it has had certain strengths in its business model, which has enabled it to deliver strong performance over the years. So I just want to understand when you were evaluating this transition with Fincare, what, as per you, were the key strengths in the business model of Fincare other than the complementary geographical presence and MFI book that comes in? So on the core business understanding perspective, if there's something which differentiates Fincare? That was one. And second, sir, associated question here is that we have been following a continuous expansion strategy as we were expanding geographies. Now with Fincare, while south geography gets added, but the product profile was relatively different. So we probably don't have that understanding of the geography. So does this expansion, will it t ake time to drive operating synergies or how should one look at it from that angle? This was the first question.
So maybe you can apply that and then I'll take the second one.