Hi, sir. Congratulations. From my side, I just wanted to know, since historically we have had ups and downs in terms of loss ratios and often external environment has also played a part in it. So, how do you assess the current external environment in terms of the healthcare, lifestyle changes, as well as some of the seasonal stuff? Second, in some way, is there a thought process to smoothen out some of these movements over time? Because often the profit and loss and loss ratios kind of get imp acted by changes in external environment while we are trying to improve the internal processes and policies. External environment has historically often played a part in how vagaries of business have panned out. So, is there a thought process to smoothen out the impact of external impact?
Got it. Thank you and wish you all the best.