Harsh Shah

Sir, I would like to understand about your outlook on different segments, like where do you see fire? And I wanted to specifically ask about health because of the reduction in the GST. So how do you see the premiums coming in from health, life going forward? And your outlook in totality of gross premium, that how do you expect the gross premium to grow in, say, next 2 years ahead from now?

Okay. Understood, sir. And how do you see combined ratio going forward, s ir, maybe FY -- give you just a ballpark number for FY '26, '27?

Sir, just a follow -up. I just wanted to confirm that in t hink in Q1 -- sorry, Q4 FY '25, you had guided for 34% growth. Is that correct? Or I'm mistaken here?