...Operator Ladies and gentlemen, good day and welcome to the PB Fintech Earnings Conference Call for Quarter 3 Financial Year 2022-'23. We have with us, Mr. Yashish Dahiya, Chairman and CEO, PB Fintech; Mr. Alok Bansal, Executive Vice Chairman and Whole-Time Director, PB Fintech; Mr. Sarbvir Singh, President, Policybazaar; Mr. Naveen Kukreja, CEO, Paisabazaar; Mr. Mandeep Mehta, Group CFO; 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, Mr. Dahiya. Yashish Dahiya ...