 So, far we have not looked into a very important Islamic mode of financing which is Karthasan. In fact, a lot of Islamic banks find it very difficult to use Karthasan as a mode of finance and from the pure banking viewpoint actually this is the case. In case of Karthasan, someone extends loan to another person and at best the lender can expect to receive the principal sum back, there is no return. Banks are not interested in this kind of charitable activity, hence Karthasan cannot be considered as a mode of finance. It can be considered a mode of financing by those people who are looking for zero return on financing, of course banks are not interested. If banks are interested in it, they could be interested in it because this could be a pull product. What do I mean by pull product? Now if it is a gesture of goodwill, if the bank offers interest-free loans to its clients, then the clients might be bringing some business to the bank and from that business the bank may be earning some profit. So, this is what we call, this is, this could be a pull product. By its own it does not bring any revenue or any immediate benefit, however around it there could be some business coming into the bank which would add to the profits of this bank. Having said that it is important to be very careful when using a Karthasan as a product because in case of Karthasan, the bank cannot benefit from Karthasan directly or indirectly. Any benefit which is accrued because of Karthasan that might become a prohibited income for the bank. So, due to this reason banks are actually very reluctant to use Karthasan as a mode of financing although in non-bank financial sector there are quite a few examples where Karthasan is being used very successfully and we shall be covering one example of the use of Karthasan in a non-bank financial sector in our next module.