One or the other thing keeps the financial financial services sector stocks in news. Right from regulatory changes to global developments impacting the cost of capital, the financial service sector tends to deal with multiple headwinds at the same time. But over the long term the demand is so high that despite all the accidents and headwinds which companies in this sector face, the overall trajectory of the sector is upward. Yes, the rate of growth in the different sub segments are very different and so are the returns in the short term. As a sector, it has been going through structural changes. Right from the entry of the new age fintech players in every subsegment to whose target is to get business by reducing the cost of transactions to mega mergers.