Thank you Abhik for reading. When I went in reporting on the story my skepticism was how will an offline distribution model scale, especially when agents are constrained by the number of policies she can sell. But on reporting I realized, selling insurance profitably digitally is many years away. So for now, this is what the market needs. The challenge for the company is futuristic, really. When insurance sales go direct to consumers online, will the company be able to do it profitably? But that's many years away, and we will re-look at how Digit navigates those waters, then.