Thank you, sir, for the opportunity. Two questions. So because you emphatically mentioned that gold loan business will consider profitability as its key factor going forward. But if you look at the current scheme of things, so today gold price is largely supportive of volume growth. So you can have the liberty of tweaking the rates. But if I look at the whole modus operandi, the customers have not moved much. Number of customer additions have not moved much. Our branch count has remained static. So what gives you confidence that when the gold price is not supportive, on a sustainable basis what gives you confidence that this business will continue to look higher both on growth and profitability? That's my first question.
That is well understood, sir. Sir, second question is on shift of ticket sizes only. Sir, correct me if I am wrong. I thought that with dilution of RBI norms, which are slightly more supportive of smaller ticket size where LTVs have been now raised to 85% odd levels. So I thought that it will become much easier to incrementally grab customers in the smaller ticket segment especially given the kind of brand value and history we carry. So why the need to shift to higher ticket size and then take a hit on yields in the first place?