Sanjana Sivaram

Hi. Thank you for taking my question. And congrats on a good set of numbers. I wanted to know on our housing subsidiary, what would be some things we are doing that could help us take the growth to the next level? I feel currently, we're still a little bit behind our guidance. So, what is something we’ll do? And at what kind of credit costs are we operating this book?

Sorry, I asked what would be the average credit cost on this book?

Okay. And just one more thing that now our off-book growth was slow this quarter, and we have fallen a bit under what our target mix is. So, was there something to call out this quarter and do we expect the off-book growth to also catch up from going forward this year?