your real estate fund book profitswe have many real estate fundsdomestic and international in our rs 1000crore domestic fund we aim to repay rs 1000 crore by endseptember so that at least the principal is paid back to investors which include sbi and other institutions we will divest the remaining holding in future years when we get an opportunity its too early to talk about returns but we are targeting 1520what about hdfcs foray into educationwe are still discussing we have not decided how to go about the subsidiary it is still premature as we do not have board approval yet vocational is one thought because we are convinced about the need in information technology ites travel and tourism which would help in skills upgradation rbi has indicated that it is not happy with the progress in financial inclusionstwo messages which have come home and will stay for the next decade arefinancial inclusion and affordable housing every developer has realized that if you are out of affordable housing you cannot continue selling luxury homes and you cannot keep building commercial space there is surplus commercial space in every city going abegging in nariman point rents have come down drastically this is partly decentralization and also because companies are looking for affordability