We’ve already talked about cultural ethics so I will just add a bit of perspective, especially from our part, since you talked about risk. Since we deal with a lot of clients who are Marwari first generation, second generation, third generation entrepreneurs, one is seeing a little bit of distinct difference… Let me elaborate a little bit: In a lot of pockets, what we see—especially when people come to us to give us wealth to manage—is that the first and second generation entrepreneurs typically are very high risk takers in business, and the money given to us is largely for preservation. The new generation, which is coming in now, however, is slightly different. The risk-taking ability due to actually getting in and starting a business, and expand, is coming off, and the risk-taking ability on equity markets, etc, is going very high. So PEs, etc, are really going very high. But risk-taking—now that is unfortunate… For us it is damn good though, because the business is great for us. But on a serious note, when we meet clients, a lot of times when I come out of the meeting, I wish that he was putting more money back in the business, because we personally feel business can do extremely well going ahead. But that’s one of the challenges or dilemmas… I would probably put it that way.