 At the end of this segment on the couple and insurance, I would like to introduce you to the couple market in Pakistan. As you know, Islamic banking is becoming very popular in Pakistan. The share of Islamic banking in the total banking sector of Pakistan is now approaching one fifth, is approaching 20%. It's about 18.6% at this point in time and it's fast approaching 20%. However, in case of the couple, the story is not that successful. It's not because the couple is something people don't like. It's the overall culture in the country and I will come to that point. Let us first look at the players in the industry. Pakistan, the couple industry. We have leading players like Park, Qatar, the couple. We have Jubilee, the couple, which is a window operation of Jubilee insurance. We have EFU, Himaya, the couple. Again, this is a window operation. Then we have Dowd, family, the couple. Adamji, the couple, which is a window and there are another 26 the couple windows operating in Pakistan. In total, there are two full-fledged the couple companies and 29 the couple window. Two the couple companies are Park, Qatar, the couple and Dowd family, the couple. Others, they are windows. Like Islamic banks, there are five full-fledged Islamic banks in Pakistan and then there are 17 Islamic banking windows making this 22-23 kind of players in the banking sector. In the couple sector, the number is huge, 29 the couple windows and many people might think that Pakistan's the couple sector is huge. Just from the number, but it may not very well be the case. Despite a huge number of players in the the couple market, the couple business in Pakistan remains under development. Individual family the couple coverage is less than 1 million. What does this mean? This means in this country of 223 million people, only 1 million people, they have covered themselves with family the couple. So it's a very small coverage. Why is this the case? Primarily because there is an overall underdeveloped insurance market in the country. Pakistan does not have a way of making insurance. If there is a compulsion, they make insurance. For example, if I have got my car financed by a bank, the bank would require me to go for an insurance contract or a Takaful contract. Otherwise, in a lot of other cases, people don't bother. They think that it's okay to drive a car without valid insurance. In countries like United Kingdom, this is illegal to drive a car without insurance. So in Pakistan, because there is no such compulsion, hence people don't go for insurance or Takaful. It's not that people do not like family Takaful or general Takaful. However, interestingly, in the wake of COVID-19, there has been huge interest shown in Takaful business. And Takaful guys are very happy. All other people in the country, they are unhappy about COVID, but the Takaful guys, they are very happy. In 2020, the growth in Takaful business in terms of new business contributions was 40%. Huge growth in the Takaful business in Pakistan in 2020 and some initial figures suggest that this is going to be maintained. Now before COVID-19, the industry grew by only 8% annually on average between 2011 and 2019. 2020, COVID has made them happy. So this is actually the Takaful industry has benefited immensely from the pandemic. So one can say that there is a clear shift from Allah Tawakbul to Takaful in Pakistan.