The company's robust growth guidance of 15-18% in CC terms is based on improvement in healthcare (especially provider business) and improvement in banking (led by growth in collection & fintech and UK banking). In addition, FSL expects communication, media & technology to gain traction led by improvement in top client and addition of new logos in US & UK in media & e-commerce. The company expects moderation in growth in mortgage (post a robust year) mainly led by slowdown in refinance. Further, we expect the healthcare segment to witness improved traction led by acquisition of...