 had taken the entire world by surprise. Can you imagine? This is the first time that the entire globe has actually come together to solve a common problem. A lot of speculation recently about how do we do working from home. In India what we've seen is a lot of folks or companies have a negative connotation of work from home. The general perception is if you're working from home means you're not doing any work or like you know you're kind of you know like spending maybe a lot of time beyond work related matters. It's very very important that we try out this option for each of our businesses whatever business we are in. So we made some accelerated changes some of those changes are to enable anyone to be able to log into our platform from wherever they are but ensure the data security case privacy borrower experience was not compromised. The way that we've done that is we've allowed our core platform to be able to be logged into from a remote position. There are multiple tools such as Google Hangouts, Zoom, Slack that you can equip your employees with to ensure that they are productive even while working from home. It's really interesting to see actually how some people have managed to use some of the some of their methods of connectivity to connect to the platform and keep working. Some people are logging in through games consoles, through smart TVs, of course through their mobile phones. Most people in our calling network don't have a laptop but still they've managed to be able to log in and continue to work as normal. We are able to monitor exactly the performance that's happening through those partners and through those conversations. Now companies should have a very tolerant view of this and what companies should do is make it have communication in a much more clearer manner, be a lot more appreciative of the employees and give them that feedback that you know what you're doing it's good, it is sufficient. You don't have to be proving to us that you're constantly working or doing things. I think that that bit of faith and trust in employees is very critical and at this point it's much more important for companies to actually show that faith in their employees. A significantly improved productivity, around 20% better productivity in better collections from the partners we're working with. It's very important that you know we need to try this out it's very important each business ties it out and it's very important that once we try it out we will know what are the productivity norms that are emerging out of this work culture.