 Let us further look into the Wakala-based Takaful model. In this module, we shall explain disbursements in Wakala-based Takaful model, how the participants receive benefits. Once a Takaful model based on Wakala has been set up, the business is in operations, then of course all the benefits and all the contributions they would be in action. The benefits are very important in the context of the Takaful-like is the case in insurance where claims play an important role in the success of the industry. Now the Takaful-fund or Takaful-business as a whole would offer benefits to the participants as per their needs and circumstances. Ye ushi tara hi hoga jay se insurance me hota. For example, if this is a car Takaful, if an accident happens, then a claim would be made by the participant and the Takaful operator would be giving some benefits out of the risk fund as per the rules and regulations of the Takaful fund. In case of life Takaful, when a participant dies, now this is very paradoxical, we call it life Takaful, but you get the benefits out of life Takaful only when you die, so life Takaful ek lehase nishane haider hain, marne ke baad hi milta. So in case of life Takaful, when a participant dies, his nominated beneficiaries will receive the defined benefits from the risk fund as I previously mentioned. And of course, the beneficiaries would have access to the proportion of the funds attributable to the dead participant in the investment fund. Let us take an example to clarify this. Now this participant to a Takaful fund dies at a time when he has already contributed 200,000 rupees into the Takaful fund. Apparently probably this person dies in the second year or the third year after joining a Takaful plan. So as we know, the Takaful fund has got risk fund and investment fund. This figure 1 billion I have deliberately mentioned, this actually belongs to all the participants. So at the time of this claim, there were 1 billion rupees in the risk fund. And in the investment fund, I am mentioning this 150,000 rupees for simplicity saying that this is the share of this participant in the investment fund, 150,000. The person dies, what happens? Of course, the defined benefits for this participant were 1 million that at the time of death, i.e. the nominated beneficiaries would receive 10,000,000 rupees. In addition to that, whatever is there in the investment fund attributable to you, that would be given to the family as well. So this investment fund, as soon as the money comes in, it should be managed separately. And whatever returns are there, that return should benefit the family in addition to the defined benefits in the Takaful document. So of course, all these things are done with the help of the Takaful operator who is the manager of risk fund as well as investment fund. Now what happens if someone would like to redeem before their death? Someone would like to come out of this Takaful plan when they are alive. In case of most of the, actually almost all the conventional insurances, if I have been part of an insurance plan, life insurance plan, if I want to come out, they would say, fine, go away, we would not give you anything. Because your plan said, well, when you die, your beneficiaries would receive this thing. In case of almost all the Takaful, it is almost opposite. So in case of Takaful, participant would receive the funds attributable to them in the investment fund minus a redemption fee. However, whatever you have in the investment fund, your share would be given to you. So if this person, this is another person B, this is a new example, this person B has already contributed 3.2 million rupees into the Takaful fund. And this is say 12th year, T12. And this person needs money or just decides to come out of the plan. It goes to the Takaful company and says, I would like to come out of it. So whatever is in the risk fund, of course, this party, this person, this participant B would not have any access to this one. However, calculations would be made. And this person actually has got 3.5 million rupees attributable to him in the investment fund. If the redemption fee was 50,000 rupees, in that case, this person would be receiving 3.45 million when this person decides to redeem before his death. This is actually quite a good benefit. Now, this slide basically says that, you know, in risk fund would have a lot more than the individual contributions of an individual participant. And of course, investment fund would have the contributions of all the participants as well. This would be only a share of this bigger amount in the investment fund, which would be determined in accordance with the investment share of this particular participant in the investment fund. Now, at the end, I would like to explain what happens if there is not enough money in the risk fund to pay out through the beneficiary. Normally, in this case, the Khaful operator would like to allocate the excess amount in an excess fund to cater for any deficits in the risk fund. Remember, we said that, you know, if there are claims and if some excess money is left, that would go into the investment fund. And part of this would go to the Khaful operator as per the performance bonus of the company. Now, to cater for this kind of eventualities of shortage of liquidity, the part of the excess could be put into an excess fund so that whenever there is a need, the Khaful operator should have access to the money and should be able to disperse. However, in certain acute cases, the Khaful operator may offer an interest-free loan facility to the risk fund, to the Khaful fund and through this to the risk fund. And this should be an interest-free loan. It is called interest-free liquidity facility. And this interest-free loan should be returned to the Khaful operator when the things come back to normality, i.e., the Khaful fund or the risk fund in particular is in green.