vehicles start buying 10 yearold or may be 57yeard old vehicles that should give us a lot of advantage since we are already present in the rural and deep rural market what about the changes in lending process how has it impacted businesswe have been a little cautious the main reason for reducing ltv is to pass on the increased cost because if the interest rates goes up by 50 60 70 bps we immediately pass on to the incremental loan that we keep doing when we pass it on to the new customers then his emi outgo will be higher in order to keep his emi at the same level we decrease the ltv so that the loan quantum is lower by may be 5 to 10 this helps the genuine customers to keep paying the emi on time however since the margin requirement goes up there is a likelihood that some of the loans may not be given or approved because we need a higher margin the loan growth will come down because the customer comes with a fixed margin and that is sufficient where we asked for more margin for them to accumulate it takes time and so it is a conscious decision