Thank you, Dr. Kochhar.
Just to conclude this line of questioning with the time I have, it's very clear to me, especially with what you said, that this process doesn't work. The processing didn't work with the accountability mechanism for internal audits in order to bring these issues to light. They failed. You just mentioned the aspect of having to follow up on these things, and it wasn't successful.
There obviously is a need for further accountability to make this actually appropriate, wouldn't you agree?