Prateek Poddar

Sir, I have just one question. You called out about the kind of mix shifting, right, in the ` 5 lakhs plus policy ticket sizes from entirely non-par to par or ULIP and then you also called out higher investments as well as higher commissions. In that backdrop, how should we think about VNB margins for the full year?

And you also talked about wallet share gains across other co -op agencies, I mean, partnership distribution side and Banca side in ICICI Bank. How much more potential is there for you to gain further wallet share or bulk of the wallet share whatever we could have done have been done this year?