 Thank you sir, it's been quite an interesting journey. I think everybody is conversant with Odia, so I would mix it up if it is okay with you. Mane insurances ka ama kal le lukum, gote proportion jantla, apane insurance agenti jo li. Mane for me personally a big journey to come out, not being an insurance agent, and then talk sitting here about health and how insurance helps. By the way some of you if you are laughing about when sir mentioned about big hospitals and people go to Bangkok if you have any doubts of your in your mind, I just want to clarify, one of the hospitals in Bangkok called Bumungrad Hospital gets the highest number of foreign patients through medical tourism. So Bangkok is also good quality healthcare in case if you are wondering. I'll give a perspective on why health insurance and how can it help. People in general, state or any geography, any population as such. See healthcare is a data aspect actually. One is healthcare delivery. Lot of my friends, colleagues, seniors, juniors on that side here. You need really high quality men power, and not just doctors, paramedics, nursing staff and so on. So that's the healthcare delivery part. You need hospitals, clinics, diagnostic centers. But there is equally important part which is healthcare financing part. Unfortunately many people in this country, in our country, including our state, perhaps die not because that relevant treatment of the specialty is not available. World is a connected place today. You can travel anywhere, but simply because they can't afford. And that's a big problem to solve. Globally there are various models. Most of Europe, public funded schemes. NHS in UK, Germany, most of Scandinavian countries have very robust public funded schemes, programs. Whole of US and many other countries are private funded. And India unfortunately, fortunately I do not know the time will tell but we've been following the US model more often. Healthcare in India is privately funded. Out-of-pocket expense is a massive part of healthcare spending in this country. $180 billion worth of healthcare spend of which if you look, predominant part is out-of-pocket. And by 2030, you can imagine how big it will be and how much of a burden it puts on population, especially people who cannot afford. Who are in the bottom most or the middle part of the pyramid. In fact the new term that Nithya Yogyu just is missing middle. Missing middle is a very big segment. Below poverty line and let's say that segment is covered by various schemes like PMJ, states have their own schemes like Odisha has and they are doing good perhaps growing, they are doing their potential to do better and then the rich and the Uber rich are wealthy enough to go to any hospital of their choice. Missing middle is a part which has just about enough or a little more than enough but health events can really wreck havoc in their finances because it costs a lot in this country to get quality treatment, whatever quality we associate it with. Nearly 60 million population of India goes below poverty line because of healthcare spend alone every year. Given the statistics and numbers, one of the potent ways of funding healthcare is health insurance. Now it has assumed pitfalls. There are other problems. Public funded scheme is a problem. NHS UK you have to go a knee replacement you got to wait for two years and they were very proud last time I was there I was talking to them. They are extremely proud. They could reduce it to 18 months waiting period for a total knee replacement. They have their own problems. But as of now India is in a cusp of evolution and healthcare funding. Insurance is a very potent tool it can really help the missing middle and gradually with all the schemes like PMG or the state schemes people who gradually start coming up into the missing middle. So middle class in India will be the largest it is already a very large and it will be the largest segment of population. And once they come up imagine moga taloka jaha pakha re PMG scheme mochi, Kimba state government scheme mochi paanchalakshatana, tinlakshatana jaha bhi amata health insurance mo health treatment mil jauchi. Once I become effluent I will lose that. Ta premukhaan gadi. And large number of these people will get added over to the missing middle in the next decade. And insurance, health insurance in particular is extremely important. The way integrated word you jai chi integrated because now it is expanding to cover not just treatment in hospital but also healthy living through preventive checkups urging people to do yoga, exercises giving incentive for living healthy diets. It has also come in to cover other systems of medicine including ayus. So this is also a journey that health insurance in India is taking.