 We have discussed that how can we select or decide the optimal combination if we are talking about a portfolio, if we want to invest in a portfolio that involves only two risky assets. But in the real world, we see that investors or the portfolio managers come up with those types of portfolios in which there could be many risky assets, not only two. In reality, when we come across these kinds of situations, what are the various things that are to be considered when we are developing a portfolio or when a portfolio is to be constructed that involves that that is composed of more than two risky assets. So basically, we follow two step procedure that is that helps us in doing that. And in the first step, we decide that the risky assets in which proportion you have to add up and in the second step, you include risk-free asset to make it a comprehensive portfolio. So when we look at the graphical illustrations through which we can decide that we have to pool different, many types of risky assets with risk-free assets and make a portfolio. So what do we consider in the graphical analysis? In that context, again, we will see the point of tangency that will be obtained between capital allocation line and the efficiency frontier. So that particular point of tangency will give you the best risk-reward trade-off which is possible in the given circumstances. So you need to decide how much is going to be the total investment and what are the various options for the risky assets. What are their expected returns? What is their standard deviation? What are the value of the return between them? We will help you to account for all these things. What can be the different combinations possible? Which is called optimal. Optimal means that you cannot have any investment portfolio. So that is again decided. Now again, we need to understand that according to every customer or investor's choice, the portfolio does not decide. The experts who make the portfolio make final products which are made for different categories of investors. Or what they do is they broadly take into account the factors that generally investors' preferences kuch is kisam ki hoti hai, risk-tolerance level kya hoega. And then according to those preferences, they develop different types of final products. So when we say that the point of tangency between capital allocation line and efficiency frontier gives you the optimal allocation of the risky assets. But then we also said that point of tangency se pehle aapki capital allocation line jaha se shuru hoti hai, vertical axis se, us point se leke aapka jo point of tangency hai, wahata ke sare ke sare wo combinations hai jo ke aap investin mein kar sakte hai, affordable hai aur wo sare ke sare allocation, better allocation ko bhi nishan dehi krte hai. Us ke andar aapne choose kansa karna hoti hai, wo tamam possible hazaar wo points, hazaar wo tara ke portfolios aap nahi se leke kar sakte, kuch factors ko count for karki final products define hoti hai, aap jo investor hai us ke pas wo final products ka choice hai, wo infinite number of points ka choice nahi hota. So basically jo mutual funds banane wale log hai aur jo different tara ke consultants hoti hai, advisors hoti hai wo if final products ko develop krte hai by considering all these things which we have discussed. So when we want to define what is meant by the concept of final product, to final product is basically developed by these financial advisors and they are offered by the financial intermediaries. Kya krti hai, basically wo advance kisam ki financial technology ko istimal karke, ye different final products aap ke liye banati hai with the help of the advice of the expert financial advisors aur iss ke liye kafi latest financial technology ko istimal kiya rata hai. Lekin since we discussed the concept of mean variance approach and that is also followed in order to come up with these different types of optimal allocation or different final products ke andar jo different techniques aam istimal karne, since we have got the extensive usage of technology, financial technology istimal hoti hai, lekin jo mean variance approach aam ni discuss ki thi, ye aap expected return ko lete hai, account for karte hai, aap uski variation ko account for karte hai, usko bhi istimal kiya rata hai extensively to decide ki optimal allocation kis taran se ho ghi.