Sharat Dua

Can I just ask back to the NIM, net interest margin and just cl arify that you -- given the seasonality, you would expect that NIM just to be weaker in Q4 than we've seen in the third quarter even if we use up some of the liquidity?

Even with the seasonality of new vehicle sales being greater in the fourth quarter?

Okay. And just on the big picture. I mean, obviously, you've gone through some detail about what you're seeing in different product lines and asset quality-wise. A lot of other players in the financial space are obviously slowing down given the cycle that they are seeing and the experiences they're getting right now. So the message is you will not be doing that. Is that clear?