Janish Shah

Yes, sir. Thank you for being a part of this. And congratulations for a good set of numbers. Just to me get some more understanding on this International Business. Does it mean that the decline, which we have been seeing in the International Business, is going to be divested in the next year, and it will come on the growth trajectory from here on? That is first question.

Okay. And one more question on profitability on the international side. We could understand the adjustments which were going on in the International Business in the last 3 to 4 years, where we are trying to book the losses on account of the old contract s. And now that those legacies are now behind, we are still seeing combined ratio in international at 132%.

Okay. And lastly, on the domestic combined ratio, it's been more stabilizing , close to 100%, 105%, in that range. Is that the way this business will remain stable? Or there is a room for improvement in terms of this combined ratio. If you can just give some understanding or little guidance on how this book is going to behave? And your choices like how do you fix your businesses in the domestic market?