Directly debiting money from the bank means having to take a NACH form from the clients, like the way MF's currently do. The issue with this is, we have to setup an entire team to manage receiving this form, sending it to the banks, tracking if everything is setup correctly. At the margins we are working, it becomes tough. The good news is that there is eNACH forms getting introduced by NPCI. These NACH forms can be submitted digitally. This should be out anytime soon. We will be ready as soon as it is out. Banks charge Rs 3 per NACH debit, distributors cover this charge through their commissions. We will not be able to, so there would be this cost.