We know that currently, there are 36 life insurance companies in Bangladesh. If we look at the life insurance penetration in Bangladesh, it is just over 0.4% of the GDP. This figure alone indicates that the existing insurance companies in Bangladesh have not yet fully capitalized on the available opportunities. There is immense potential here, and we believe that if the insurance industry can bring the right products to the market and properly serve clients when it comes to claims, we will see a significant positive shift in Bangladesh's insurance sector. In our neighboring country India, the penetration rate is over 4%. While we may not match India at this moment, even if we can increase our penetration by just 1%, the number of policyholders and the overall premium income will increase significantly.