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Dilip ji, kudos for a good sum up personally knowing little. One thing you got completely wrong is about competition - they are lions - beat competition outright. They lead from the front, innovate and continually transform. Google SAP S/4 HANA to learn - you don't even mention it. It digitizes whole operations. Everyone wants but its not easy. Spectrum runs business on it already. About LM: Even SBI, ICICI, AXiS have 50% -ve listings, so what's the point? It boils down to company leadership and it is best to evaluate that than LM. So long...