10 PSB’s getting reduced to 4, synergies that this big merger will create. Lesser competition for the bigger banks now and also the advantage of cutting cost due to branch closures are being a big positive for the banks. GDP at 5%, a 6 year low, in fact, brings opportunities with the next big jump that is possible with every fall. IN 2009, GDP grew at less than 1%, the following year it moved up to 12.50% and stock markets gave 100% growth in 1 year. One more such event is unfolding, time to invest.