Harsh Shah

Yes, thank you for the opportunity. Just a couple of questions from my end is one, I heard your opening commentary on growth, and again, I understand that quarter-on-quarter is not the right way to look at it, but from a trend perspective, is there any change that you have done to your internal strategy or philosophy which can lead to a sustained higher than your past trend of growth?

Understood. And from a retail and group health mix, anything to read again from an annual trend perspective, means is there a range where the guidance is to remain between 70% to 30% or you think that retail can inch up further as you're planning to grow almost 10% to 15% higher than the industry?

Sure. Point well taken. Just to press on this, from group perspective on your renewal business, I mean, from pricing perspective, what is hitting you comparatively harder? When I say you, it also may be applicable to other sides. Is it the expense rat io part of it or the claims ratio part of it?