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its a pleasure to be here and good evening to everyone who has joined on the call thank you thank you I think uh what we everybody from you uh and icsf given the size and the Quantum of work youre doing in life lot of innovation you are doing I think everybodys eager to to understand you uh how you have done and how you have scaled the business so I think very very crucial right now for us to understand from a credit card perspective how and how have you grown so much in this period right I think 3x in in five years is phenomenal so what does it take to docHub that scale how do you see the future writing either broadly as an industry that we want to hear from them thanks again you know the fact is that one advantage that we have inside the bank is that we have a large amount of our own diabetes customers so thats the first put-off call for us so what we have done is that over the last couple of years then its an exercise that started about four five years back where we actually uh