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[Music] mr. Chaudhary wants to know if investors can go for non convertible debentures in a scenario for interest rates in fittings yeah one can actually I mean there has we know descend appetite we are seeing for you know these public offerings public offerings or various companies but you know just one thing which needs to be remembered is that whenever you are investing in cities you must understand the credit quality of those of the border works because when youre investing your large amount of money in that one insidious area buying of your - cube risk whereas if you are putting that money you know you wanna credit fund then basically what youre buying is a bouquet of forest its a diversified risk where in you know imagine unique of one paper goes you know unfortunately a bad it doesnt really actually do it here in when youre investing that evening and in city without really understanding the trade profile of the borrower it can actually you know bring your oh now it can give