 In this segment, we would be looking into Salem contract. Salem contract is a deferred delivery contract. Let me remind you that the base level contract in Islamic law is a spot sale contract. In a spot sale contract, both the price and the delivery of the sold item take place immediately. Now, ek haath se price li jati hai, duh se haath se becha hua saman de diya jaate. However, there are some contracts, sale contracts, in which case either the price can be deferred, i.e. bamo ajal, which we previously studied, or delivery of the sold item can be deferred, which is the subject matter of a Salem contract. A Salem contract historically has been used for sale and purchase of the agricultural produce. So, this has relevance for the sale and purchase of agricultural items before they have come into the market. It must be emphasized that in case of Salem, the produce of a specific field, ye is ek haath se jo produce hogi, ye Salem pe becha jaa rahi hai, aisa mumkin nahi. The goods which are sold on the Salem basis, they should be generic in nature. Now, for the seller, in case of farming, for example, Salem is a tool for generating liquidity. Farmers ko normally pashon ki zorot hoti hai, to wo wheat, rice, whatever they expect to have in future, they can sell it through a Salem contract. Isi tara buyer ka bhi incentive hai, buyer may be interested in buying on the basis of Salem because they want to make sure that they have adequate supply of that item in their business. Ek aur cheez jo ke important hai wo ye hai ke Salem price is normally less than the current market price of the item. In case of Bamu Ajil, it was the other way around. In case of a deferred price, it is normally the case that the deferred price is higher than the current market price. In case of a Salem contract, the Salem price is normally lower than the current market price because it allows the seller to have some kind of liquidity, i.e. usse abhi paise miljate. So, the first thing I said was that it can be used generically. I am not saying that I will sell this item on the basis of a Salem contract because the requirement for a Salem contract is that whatever you sell should not be different. If I say that I am selling this item on the basis of a Salem contract but after 3 months, it will break or disappear, I would not be able to deliver this item. Hence, we can say that I am selling Apple 12 Pro Max to you on a Salem basis whereby I would be able to deliver the item after 3 months. But I cannot say that I am selling you this Apple 12 Pro Max because this is not accepted in Islamic law. Now, another question which is important, sometimes people say that Salem may be a forward sale contract. I must clarify that in Islamic law, there is no recognition of a forward sale contract. Why? Because in case of a forward sale contract, both the price and the delivery, they take place in future. In Islamic law, in general, one of the two things can be delayed, either the price or the delivery, not both. A conventional forward sale contract actually allows two transacting parties to pay the price in future and have the delivery in the future as well, which is not possible. In case of Salem, Salem may be a special case of a forward sale contract. We might want to call it an Islamic forward sale contract because it allows deferment of delivery only. So, from that viewpoint, Salem may be considered as a quasi-forward sale contract, but it is not like a conventional forward sale contract. In countries like Sudan, Salem is used quite frequently by Islamic banks and financial institutions. In some other countries, this may not be the case. In the end, I would like to tell you that in case of any sale contract, especially in case of Salem and Baym Ujjal, where there is some kind of deferment of price or deferment in delivery, once the price has been agreed between the two parties, price cannot be changed in case of Salem. For example, if a seller is not able to deliver the object of sale after three months, which was agreed or promised, the Salem price cannot be changed. It cannot be reduced. So, this is important to understand that once the terms and conditions of a sale contract are agreed, especially the price, it is not possible for any party to unilaterally change the price of the object of sale depending on the circumstances. With this one, I would like to conclude this segment on Salem sale.