...Operator Ladies and gentlemen, good day, and welcome to the Q2 FY '23 Earnings Conference Call of PB Fintech Limited. We have with us today, Mr. Yashish Dahiya, Chairman and CEO; Mr. Alok Bansal, Executive Vice Chairman and Whole-Time Director; Mr. Sarbvir Singh, President, Policybazaar; Mr. Naveen Kukreja, CEO, Paisabazaar; Mr. Mandeep Mehta, Group CFO; and Ms. Rasleen Kaur, Head Corporate Strategy and Investor Relations. (Operator Instructions) Please note that this conference is being recorded. I now hand the conference over to Mr. Yashish Dahiya. Thank you, and over to you, sir. Yashish Dahiya ...