 One does not realize the complexity of having choices till one has it, and I think that was the biggest thing that I realized that it's much harder to take a decision when you have the choices versus you don't. I did dabble into investment, I did dabble into trying to advise companies and all of that. I realized that the joy you get of creating is something that you miss the most and I think if you have built and created all your life, the idea of not creating is never a good idea. It was just kind of making you more frustrated and if you have been living life with high intensity all the time, it's important to kind of go back to that. I remember I was working when I was in 2007 or 2008 and I realized I can keep buying a bigger house or a bigger car and I realized that there is no end to that trap or I decide to do something of my own and the reason I felt that because any day when I was an employee, I never behaved like one, I was a terrible employee, I would always do things that I wanted to do and build companies within the company and anyways keep doing initiatives that I liked. I just realized that one needs to have enough confidence, I think a lot of entrepreneurs do face that, they feel that they are different, they feel that they should be doing something on their own but they get into this trap of EMI, I call it the entrepreneurship of killing. Our country is in a very desperate situation for having more entrepreneurs, if we do not have more entrepreneurs, where are the jobs coming from, why credit, I think looked like an interesting problem to solve because it looked like almost everybody in the country was trying to solve for the volumes of customers whereas there are a handful of people who pay taxes and a handful of people who are doing the right things and nobody was really looking for them and I think for us it was the biggest opportunity to say that there is a customer segment that we can really, really focus on and truly relate to them and their problems, so the idea is that can we help do two things, for a small segment of customers who are credit worthy and trust worthy, can we improve their financial life by helping them prevent bad behavior and constantly encourage good behavior. It's as simple as ancient as religion, we were always told that if you do good deeds, you go to heaven, if you don't do good deeds, you go to hell. I can't construct hell technically, so I can create at least a positive environment. So I think in a country like India which is so large, it is extremely hard to go around punishing people, it's not even a practical solution but you can definitely encourage good behavior. So as long as we are in that direction and dimension, that we are helping financial progress of the good actors, I think everything is a fair game. Now the question is what will we do, it is a bunch of experiments, but what we imagine in two to three years time, I think this will be a community of I would say 10, 12 million customers who are likely to be using the service and product but also probably engaging amongst themselves and improving each other's life as well. A lot of people have simplified what data is because of the events that happen in Facebook and I think it's unfortunate because now every company is going to be using the same lens. We are asked that, oh, you have email access but I sometimes wonder why don't people ask that the company that has your email is an ad company. So the question is that a lot of times we do not differentiate between the differences of that. Today when we take data, we have a very simple intention, can I help you highlight transactions that you otherwise don't get to know or miss because it's not coming on SMS and I think if you can just highlight that to them saying that can we improve your score, can we improve your repayment behavior, can we improve your interest that you are paying, you can actually have better financial life. I think our goal is quite simple and we are very fortunate because every customer who have discovered some of these features, they absolutely love us and keep wanting to try more and more things that we offer. The country behaved very, very differently in post demoralization and we were doing this way before when PTM started, right? So the thing is, but one cannot regret all of these things. Life is all about these left and right turns that you can keep regretting I missed it, right? But you can be thankful that you were right about doing something that just we had ahead of time. And like when we did credit card and credit, like a lot of people are saying why are you focusing on everybody's doing UPI? But the thing is credit cards have grown from 18 million cards to 45 million cards in three years time and spends on credit card has gone from 1.8 billion dollars a month to 8.5 billion dollars is exactly the same period of time. So the question is that sometimes doing contrarian things hurts you if you don't time it right. But sometimes if you time it right, it can turn out to be quite right. So I think I have zero regrets for whatever happened. But the thing is that I'm glad that at least the thesis that we were way ahead of others to pick worked out. I have a simple philosophy. I believe that India is such an early market. Competing is rarely going to create wealth but creating newer opportunities will create more wealth, right? So I think there are so many gaps in the market that if you go for the blue ocean strategy you'll actually create more wealth versus compete on existing sectors and destroy wealth that exists. And I think I believe Indian entrepreneurs need to realize that wealth is not zero sum and therefore it has to be thought of it not as something like a zero sum where only when I lose you win and only when you lose I win it's not a situation everybody can win. If the economy is going to go to 6 trillion there will be enough people I'm a serial entrepreneur. Am I a successful serial entrepreneur? I think time will tell. I think I have done probably six, seven companies already. Most people just know about a few. But the thing is that India does not like serial entrepreneurs as much it likes entrepreneurs. In India I have noticed is that we treat our companies as our kingdoms, right? And every time you exit your company it's considered to be a weakness or a sign of weakness. Nobody in India appreciates this idea of that oh you sold your company. We treat our companies as our spouses and not as our kids, right? Like it's just a very different kind of a challenge I have seen. Who knows? Who knows? I can tell you one thing though. It gets harder and harder and harder every time. Myself. It doesn't get easier. Myself. Because you have zero room forever. Nobody expects you to fail. Everybody expects that okay just because you can raise money you will always be successful. And the system is not conducive for people who are trying multiple times. They expect it to be perfect all the time. And that puts extraordinary pressure on the team, on yourself. And I think the toll it takes is at a different level. So it's only sexy from the outside.