Goldman Sachs is doing is that look we're coming on an independent view if they are able to get that endorsement from Reserve Bank of India that they are on course to become a universal bank then that's a bonus but on a standalone basis if the current business franchise has to be understood one big thing about EU is that Sanjay gal has got a succession and he still has a good three years there so in terms of a management continuity I think there is a lot of uh you know there is a lot of comfort there and un like what will happen to indent bank or access bank where the terms for the top managements are due SBI the change of guard has already happened so unlike a lot of private Banks Au does not have that challenge second the deposit growth is improving today there's a war of liability I may use that word and in that the deposit growth is moving the new campaigns which you see it on ET now I think some of those campaigns have really helped them and then the asset quality seems to be getting better so it's a stock which is underperformed they were moved away from what would be called as hyper growth to growth Which is higher than the industry average not very expensive in terms of valuations and a trigger really could be that uh hopefully this year or by the end of next early next year Reserve Bank of India could really endorse their whole uh endorse them and then award them with universal banking license which could be a game changer so the stock in the runup to the news and valuations and the current setup of the deposit franchise I think it could be a stock which could remain warm