Q4 is typically good for Mahindra & Mahindra Financial Services. Looking at it from gross non-performing asset (NPA) point of view; the gross NPA improves because it is one of the best quarters where recovery is on the higher side. So improvement in gross NPA will be positive. In Q3 the gross NPA was at 7.7 percent. Loan growth above 25 percent will be positive. Last quarter it was at 30.5 percent.