Every challenge in a particular context looks more challenging than the previous one.  There were so many situations when I was a part of the government and we dealt with a lot of challenges.  When I came to RBI in December 2018, the entire 2019, the primary focus was not just one of the areas where we concentrated from RBI, but the primary focus in the financial sector was on the NBFC segment. Post IL&FS, liquidity had dried up.  There was a considerable undermining of market confidence in the NBFC sector. In that context, we had to focus and see that the NBFC sector makes a comeback. We were very intensively focused on the liquidity situation in NBFCs; the bad assets situation in NBFCs.  By the end of 2019, we were almost coming to an end of that problem, then, COVID came in 2020, 2021 was the delta wave, and 2022 was the war. So, it has been one challenge after the other.