How to Underwrite EMIs for Smaller Customers

70% of our customers don't have credit cards today. So we are really going up at 100 million to don't have those cards. That's when we're starting them off at five, 10,000 rupees and then three months later,. We give them slightly higher, six months later, slightly higher as we see their performance. The interest is born by the merchant. In about 80, 90% of the cases, 10, 20% of the case the customer buys the interest. Depending on the duration, I guess, like for short term, yeah, it's exactly depends on the duration depending on one product also, right?