What has gone wrong with debt investments in the recent past? Do you as an industry take the blame?
S Naren: Two years ago when we did any investor event in debt, the only question people had was about the yield to maturity of the fund. It was as if a product with a higher yield to maturity also guaranteed higher returns. If I told them I was not willing to take that additional risk for generating the extra yield to maturity, people would look at me and say you are an equity guy, and do not understand debt. So,