Thank you very much. A couple of clarifications before I ask my question. The FY '28 target for branches was 300 branches. Was that right?
Okay. And the 80 that you mentioned to responding to the previous question, for HL, it is INR24 lakhs and NHL it is INR14 lakhs. Was that correct?
Thanks for the opportunity and good set of numbers. So sir, first question is with regards to the credit cost. Credit cost for Q4 was elevated. I mean, compared YoY. last year Q4, we had a recovery, negative number. This year, we have a positive number. So I wanted to know, are there any write-offs, elevated write-offs, technical write-offs of that sort?
Okay. So in Q4, we will not have any write-offs basically?