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Rohit

Rohit Gupta  | Answer  |Ask -

Edtech/Online Education Expert - Answered on Feb 09, 2024

Rohit Gupta is the co-founder and COO of College Vidya, a one-stop solution for making informed online education choices.
Rohit is a first-generation entrepreneur who currently leads the company’s marketing and operations department.
A TEDx speaker, he was honoured with the ET Leadership Excellence Award 2022 for his effort in helping shape the lives of over 90,000 students through his platform.
Rohit is passionate about the potential of online education and is on a mission to democratise access to quality education and career opportunities.
He completed his schooling from Scholars Home in Dehradun and holds a bachelor’s degree in commerce from Deshbandhu College, Delhi.
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Ashraf Question by Ashraf on Jan 03, 2024Hindi
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Career

I completed my bpharm what should I do next?

Ans: After you finish your BPharm, carefully think about what you want to do next. If you want to go to college, you could get a Master's degree in Pharmacy and focus on Pharmacology, Pharmaceutical Chemistry, or Pharmacotherapy. You could also look for work in the pharmaceutical business, study groups, or government agencies. There are jobs available in these areas, with titles running from Drug Safety Associate to Clinical Study Coordinator. You could also become an entrepreneur and start your own drugstore or pharmaceutical business, consulting company, or healthcare-related business.

You could also look into jobs with the government in health offices or regulatory bodies. Think about your job goals and hobbies to make an informed choice about your future.
Career

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Naveenn

Naveenn Kummar  |243 Answers  |Ask -

Financial Planner, MF, Insurance Expert - Answered on Feb 01, 2026

Asked by Anonymous - Feb 01, 2026Hindi
Money
Dear Sir, My Son was born with Beta thalassemia major, at the age of 3yrs he under went BMT at Mazumdar Shaw NH Hospital Bangalore in 2013 which was successful, now he is 16.4yrs again he has been diagnosed once again with Beta thalassemia after a gap of 13yrs, his Doctor say it rare case of failure & once again he need to under go BMT, plz advise what we need to do , can we legally make a claim with hospital for failure of BMT. previously we paid more than 10lac now they are demanding 20 to 25lac, which difficult to arrange such huge amount.
Ans: First of all, I understand how overwhelming and frightening this situation feels. A second bone marrow transplant is not only a medical decision, it becomes an emotional and financial storm for the entire family.

Please take a deep breath. Right now, the most important thing is to move step by step, with clarity and support, instead of panic.

Let me guide you in the most sensible and practical way forward.

1. Do not agree immediately for a second BMT without full confirmation

Before taking such a high risk and costly step, it is extremely important to confirm whether this is truly relapse or graft failure.

Please ask the doctor urgently for these key tests:

Chimerism Test (this is the most important)
This will show whether the donor marrow is still functioning.

Hemoglobin electrophoresis or HPLC

Genetic confirmation of recurrence

Bone marrow evaluation

Full transplant summary from 2013

Sometimes what looks like “thalassemia again” may actually be mixed chimerism, which can sometimes be managed without a full second transplant.

Do not decide until this is clearly confirmed.

2. Take a second expert opinion within 7 to 10 days

A second transplant is a major step. A second opinion can completely change the treatment plan.

Some of the best transplant centers in India are:

CMC Vellore
Tata Memorial Hospital, Mumbai
Apollo Chennai
PGI Chandigarh
AIIMS Delhi

Ask your current hospital for all reports and records in one complete file and consult quickly.

3. Negotiate strongly with the hospital for financial support

Please remember this clearly:

Hospitals can reduce costs significantly under charity, CSR support, and welfare schemes.

You should immediately request:

Concessional package
CSR or charity quota support
Installment payment option
Government or NGO assistance

Go directly to the Patient Welfare Office or Medical Superintendent and say clearly:

“We cannot afford 25 lakhs. Please place us under financial assistance support.”

Many families get 30 to 50 percent reduction when they push firmly.

Ask for a written revised estimate.

4. Insurance roadmap that actually works

Do not just ask “Will it cover?”

Do this exact process:

Check your policy wording for:

Bone Marrow Transplant
Stem Cell Transplant
Day care procedures

Apply for pre authorization before admission

If rejected, file escalation immediately

Group insurance through employer usually has higher chance of approval

Even though thalassemia is genetic, continuous insurance often still covers hospitalization and transplant procedures.



5. Government funding options that work in real cases

Please apply immediately. Do not delay even one week.

Practical sources include:

Ayushman Bharat (PMJAY)
Karnataka CM Relief Fund
PM National Relief Fund (PMNRF)
Health Minister Discretionary Grant

Many transplant cases receive support through these funds.

Hospital social workers usually help with forms.

Start applications this week.

6. NGOs that genuinely help thalassemia patients

These organizations are active and supportive:

Sankalp India Foundation
Cure2Children Foundation
Thalassemia Patients Advocacy Group

They help with funding, donor support, and correct guidance.

Write to all three with reports and hospital estimate.

7. Crowdfunding is the fastest support route today

Many families are able to raise 10 to 20 lakhs within 2 to 4 weeks through:

Milaap
Ketto
ImpactGuru

You will need:

Doctor’s letter
Hospital estimate
Patient photo
ID proof

Hospitals also cooperate in documentation.

8. Legal action is not the priority right now

I will be honest with you.

A transplant functioning for 13 years is usually not treated as negligence easily.

Legal cases take years and will not solve today’s urgent need.

First focus on:

Correct diagnosis
Second opinion
Financial assistance
Insurance
Relief funds
NGO support

Legal route can be explored later only if clear malpractice evidence emerges.

9. Ask the doctor these 6 direct questions tomorrow

Please write these down:

Is this graft rejection or true recurrence?
What is the current chimerism percentage?
Are there non transplant options before a second BMT?
What is the success rate in his specific case?
Will the same donor work or is a new donor needed?
What is the minimum possible cost after concession?

Do not leave without clear answers.

10. Immediate checklist for today

Collect these documents urgently:

2013 discharge summary
Current reports and diagnosis
Doctor recommendation letter
Hospital cost estimate
Insurance card and policy copy
Income certificate (needed for relief funds)

These will be required everywhere.

Final words

Please remember, you are not helpless.
There are medical options, financial support routes, and real organizations that can help you.

Just do not take any rushed decision.

Take one step at a time:

Confirm diagnosis
Second opinion
Negotiate assistance
Apply for funds
Reach NGOs
Start crowdfunding if needed

Naveenn Kummar
Chief Financial Planner | AMFI Registered MFD
https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai

...Read more

Money
Ramalingam

Ramalingam Kalirajan  |11004 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 01, 2026

Asked by Anonymous - Jan 31, 2026Hindi
Money
I am fifty two year old. I have two home. One is two bed room one hall and one kitchen flat and it's resale value is fourteen lakh. The other is a kothi, which is near to fourty lakh price in resale. I don't want to sale any one. Only i can rented out my flat in just five thousand rupees per month. I have three members in my family and they are covered by twenty five lakh rupees of mediclaim for each person. I have a PF. In my provident fund nine lakh rupees present and it's pension fund have only one lakh fifty thousand rupees. The provident fund is running since November two thousand thirteen.i have four D-mat account. Each have the value is 2 two lakh rupees now. One of them is totally free, as the value of that dmat tripled, so i sale some parts of the all shares and without any investment that dmat value is niw two lakh. My only daughter is in class eight. I have some LIC policy of sum assured near to twenty six lakh rupees and monthly premium pay for this is six thousand. I have one lakh fixed deposit, as a emergency fund and i have also one lakh rupees of monthly income scheme in indian post office. My monthly expenditure today is near to twenty thousand rupees. I don't stay in any one of my house, because i work outside,so i am living in a monthly rented room. The rent is now seventeen thousand rupees per month. My sallary is now one lakh rupees per month and i will retire from my work place at the age of fifty eight.Now please tell me whether i am in a right way in the path for planing the retirement? My and my wife have life expectency is ninety years. Now i also invest monthly fifty thousand rupees in ETF. Please tell me that does i do right things or wrong?
Ans: I appreciate the honesty and effort you have taken to put all details clearly. At age 52, with steady income, assets, and disciplined savings, you are not late. You are actually in a position where course correction can still create a strong and peaceful retirement life. Your intent is right. Now it needs direction.

» Where You Stand Today – Big Picture
– You have two self-owned properties and you are clear that you do not want to sell them. That emotional clarity is important.
– You have stable salary income till age 58 and a reasonable monthly expense level.
– You have health cover in place, which is a big relief for retirement planning.
– You are investing regularly and thinking long term till age 90, which shows maturity.

» Cash Flow Reality Check
– Monthly salary is Rs 1 lakh.
– Monthly expenses including rent are on the higher side because you are not living in your own house.
– Rental income from your flat is very low compared to its value, which limits support during retirement.
– Post retirement, salary will stop, but rent and living costs will continue.

» Retirement Corpus Readiness
– Provident Fund balance is moderate and will grow till retirement, but by itself it will not support a 32-year retired life.
– Pension fund amount is very small and cannot be relied upon for monthly needs.
– Fixed deposit and post office monthly income scheme amounts are too low for emergencies and long retirement needs.
– Demat holdings show good market exposure, but they are scattered across multiple accounts, making tracking and discipline difficult.

» ETF Investment – Important Concern
– ETFs simply follow the market without judgement. They go up when markets rise and fall fully when markets fall.
– At age 52, protecting downside is as important as growth. ETFs do not offer this protection.
– ETFs cannot shift strategy based on valuations, interest rates, or economic cycles.
– Actively managed mutual funds are better suited now as they can control risk, manage volatility, and rebalance based on conditions.
– Continuing heavy ETF investing at this stage increases retirement risk.

» LIC Policies – Review Is Necessary
– You are holding investment-cum-insurance policies with monthly premium of Rs 6,000.
– Life cover of around Rs 26 lakh is not meaningful considering your income, liabilities, and dependents.
– These policies grow slowly and lock your money for long periods.
– This is one area where surrender and redirection should be evaluated carefully.
– Redirecting future premiums into growth-oriented mutual funds can improve retirement readiness.

» Daughter’s Education Planning
– Your daughter is in Class 8, which means major education expenses are coming soon.
– This goal should be kept separate from retirement money.
– Education planning needs growth with time-bound discipline, not random investments.

» Emergency and Stability Planning
– Emergency fund of Rs 1 lakh is not sufficient considering job risk, rent, and medical needs.
– This should ideally cover several months of expenses.
– Health insurance is well structured, which is a strong positive.

» 360-Degree Corrections Needed
– Consolidate demat holdings to simplify monitoring and reduce emotional decisions.
– Gradually reduce ETF exposure and move towards actively managed funds aligned to goals.
– Review LIC policies and consider surrender where financially sensible.
– Increase emergency fund to avoid touching retirement money.
– Align investments separately for retirement, daughter’s education, and near-term needs.
– Rental income strategy should be realistic and aligned with retirement cash flow needs.

» Final Insights
– You are not on a wrong path, but the path is unorganised.
– Assets are there, income is there, discipline is there, but structure is missing.
– Heavy ETF exposure and slow-moving insurance products are the biggest risks today.
– With six working years left, smart reallocation and simplification can still build a stable retirement till age 90.
– With guided planning by a Certified Financial Planner, your existing resources can be turned into a confident retirement plan.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

...Read more

Money
Ramalingam

Ramalingam Kalirajan  |11004 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 01, 2026

Money
I have diabetes also and is there any return of premium policy in term life insurance,so Sir please suggest me..
Ans: I appreciate you for being open about your health condition and for thinking carefully about family protection. Planning insurance with diabetes needs clarity, not fear. With the right structure, you can still build strong protection and long-term comfort.

» Diabetes and Term Life Insurance – Ground Reality
– Diabetes does not mean insurance rejection in all cases.
– Insurers mainly look at: age, duration of diabetes, sugar control, medication, and presence of complications.
– Well-controlled diabetes with regular follow-ups improves acceptance chances.
– Premiums may be higher, but cover is still possible in many cases.

» Return of Premium Term Insurance – How It Works
– In return of premium plans, you pay higher premium compared to pure term plans.
– If you survive the policy term, total premiums paid are returned.
– If death occurs during the term, nominee receives the full sum assured, not double.
– The returned amount does not generate real growth and does not beat inflation over long periods.

» Suitability Check – Is Return of Premium Right for You
– These plans give emotional comfort of “money back,” but not real wealth creation.
– Premiums are much higher, which reduces flexibility in other important goals.
– The return is simply your own money coming back after many years, without meaningful growth.
– From a planning view, insurance should protect risk, not act as an investment.

» Better Way to Think About Protection
– Life insurance should focus on high cover at reasonable cost.
– Savings and wealth creation should be handled separately through growth-oriented options.
– This separation gives clarity, flexibility, and better long-term results.
– Even with diabetes, choosing the right structure helps balance protection and affordability.

» If You Are Emotionally Keen on Premium Return
– If the idea of “no loss if I survive” is very important for your peace of mind, return of premium plans can be considered cautiously.
– Cover amount should still be meaningful, not compromised due to higher premium.
– This choice should be made after checking long-term cash flow comfort.

» 360-Degree Protection Planning
– Ensure adequate life cover based on responsibilities and dependents.
– Review existing insurance policies to avoid overlap or under-coverage.
– Keep health insurance strong, especially with diabetes.
– Align investments separately for retirement and family goals instead of depending on insurance maturity.

» Final Insights
– Diabetes is a factor, not a full stop, in life insurance planning.
– Return of premium plans give emotional relief but not financial growth.
– Clear separation between insurance and investment gives better long-term stability.
– With structured guidance from a Certified Financial Planner, you can design protection that works for your health condition and future goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

...Read more

Money
Ramalingam

Ramalingam Kalirajan  |11004 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 01, 2026

Asked by Anonymous - Jan 30, 2026Hindi
Money
Hello Sir, I have Jeevan Saral Policy (Plan 165) since Oct 2008. Sum Assured Rs 750000/-. Premium 36030/- per annum, Policy term 35 yrs i.e. maturity in Oct 2043 having Double accident benefit. Can you Pls tell me how will I get after maturity? Is it worth continuing it or not? Pls guide me ?
Ans: I appreciate you for sharing full policy details and for your long-term commitment since 2008. Staying invested for so many years shows discipline and responsibility towards family protection. It is good that you are reviewing this now instead of blindly continuing.

» Understanding What You Will Receive at Maturity
– This is an insurance-cum-investment policy, not a pure investment product.
– At maturity, you will receive:

Sum Assured

Loyalty addition, if declared by the insurer
– The maturity amount is not guaranteed upfront. Loyalty additions depend on the insurer’s performance and are declared closer to maturity.
– Double accident benefit applies only in case of accidental death, not for maturity value.

» Return Expectation – Reality Check
– Over long policy terms, such plans generally generate low returns compared to long-term market-linked options.
– Premiums are locked for decades, reducing flexibility.
– Inflation impact is high over 35 years, which reduces the real value of maturity proceeds.
– The policy is safe, but safety comes at the cost of growth.

» Insurance and Investment – Mixed Role Issue
– This policy combines insurance and savings, which reduces efficiency on both sides.
– Life cover of Rs 7.5 lakh is inadequate for long-term family protection today.
– At the same time, the investment part grows slowly and does not match long-term goals like retirement or children’s education.

» Should You Continue or Exit
– Since this is an investment-cum-insurance policy, it is important to reassess its relevance today.
– If your main objective is wealth creation, continuing may not be optimal.
– If surrender value is reasonable and future premiums are still large, surrendering and redirecting money to better growth-oriented options can make sense.
– The decision should be based on: years already paid, current surrender value, and future cash flow comfort.

» What to Do After Surrender – Direction, Not Guesswork
– After surrender, the focus should be on separating insurance and investment clearly.
– Adequate pure life insurance cover should be ensured separately.
– Long-term investments should be aligned to goals, time horizon, and risk capacity.
– Actively managed mutual funds provide flexibility, professional decision-making, and better inflation-adjusted growth over long periods compared to traditional insurance products.

» 360-Degree View on Your Financial Plan
– Review existing insurance coverage across life and health.
– Align investments with specific goals instead of policy maturity dates.
– Maintain liquidity for emergencies.
– Periodic review with a Certified Financial Planner helps avoid emotional decisions and keeps the plan on track.

» Final Insights
– Your intention to secure the future is absolutely right and deserves appreciation.
– The policy offers safety, but growth is limited and may not meet long-term needs.
– Mixing insurance and investment has worked against optimal wealth creation.
– A structured shift towards goal-based investing, after careful surrender evaluation, can significantly improve your financial outcome over time.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

...Read more

Money
Ramalingam

Ramalingam Kalirajan  |11004 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 01, 2026

Money
Hi I have invested in mutual fund SIP Parag parikh flexi cap 3k HDFC flexi cap 2500 Hdfc balance advantage 2k Navi nifty 50 index fund 2500 Edweiss gold and silver ETF FOF 2k Is all the fund good to keep for long term or should I change to another fund. Thank you
Ans: I truly appreciate that you are investing regularly through SIPs and have spread your money across equity, hybrid and gold-related options. This shows discipline and a long-term mindset, which is the most important part of wealth creation. With some fine-tuning, this portfolio can become stronger and more aligned to long-term goals.

» Overall Portfolio Assessment
– Your portfolio has a mix of growth-oriented equity, a balanced component, and a hedge through gold and silver.
– Monthly SIP amount is well distributed, which reduces timing risk.
– However, there is overlap in equity style and also some exposure to options that may not add real long-term value.

» Flexi-cap Equity Exposure
– Flexi-cap funds are suitable for long-term goals as they can move between large, mid and small companies based on market conditions.
– Holding more than one flexi-cap fund can sometimes lead to duplication of stocks, which reduces the benefit of diversification.
– Instead of quantity, quality and role clarity matters. One well-managed active flexi-cap fund is usually sufficient when reviewed periodically.

» Balanced / Dynamic Allocation Exposure
– A balanced or dynamic asset allocation fund helps reduce volatility and is useful for investors who want smoother returns.
– This is a sensible inclusion, especially if you are investing for multiple goals and want some stability along with growth.
– Allocation should be intentional, not accidental. Its role should be clear – risk control, not return chasing.

» Index Fund Exposure – Important Caution
– Index funds simply copy the market and have no ability to protect your portfolio during market excesses or downturns.
– When markets are expensive, index funds still stay fully invested without judgement.
– In long-term investing, especially in India, actively managed funds have the flexibility to avoid overvalued stocks, manage risks, and adapt to changing conditions.
– For investors seeking meaningful wealth creation and downside control, active management plays a crucial role that index funds cannot provide.

» Gold and Silver ETF FoF Exposure
– Gold can act as a hedge, but returns over the long term are limited compared to equity.
– Silver is highly volatile and largely driven by global cycles, making it less predictable for retail investors.
– ETF FoF structures add an extra layer of cost and tracking issues without giving proportional benefit.
– Precious metals should be held in moderation and only as a support asset, not as a growth driver.

» Cost, Monitoring and Behavioural Discipline
– Too many funds increase monitoring burden and can lead to emotional decisions.
– Simplicity improves discipline, especially during market corrections.
– Investing through a Mutual Fund Distributor who is also a Certified Financial Planner helps in regular reviews, behavioural guidance, and timely rebalancing. This support is often missing in self-managed approaches.

» 360-Degree Alignment with Goals
– The right portfolio is not about popular funds, but about matching investments with goals like children’s education, retirement, and financial security.
– Time horizon, risk capacity, and cash flow stability should decide fund selection and allocation.
– Periodic review and rebalancing is more important than frequent switching.

» Final Insights
– Your intention and consistency are excellent and deserve appreciation.
– Some consolidation is advisable to avoid overlap and unnecessary exposure.
– Reducing passive and ETF-based allocations and strengthening active equity exposure can improve long-term outcomes.
– A goal-aligned, simplified, actively managed portfolio reviewed by a Certified Financial Planner can give you clarity, confidence, and peace of mind over the years.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

...Read more

Money
Samraat

Samraat Jadhav  |2549 Answers  |Ask -

Stock Market Expert - Answered on Feb 01, 2026

Money
Samraat

Samraat Jadhav  |2549 Answers  |Ask -

Stock Market Expert - Answered on Feb 01, 2026

Asked by Anonymous - Jan 31, 2026Hindi
Money
Komal

Komal Jethmalani  |454 Answers  |Ask -

Dietician, Diabetes Expert - Answered on Feb 01, 2026

Asked by Anonymous - Jan 16, 2026Hindi
Health
Why does Indian thali make you sleepy? Whenever I eat a typical Indian lunch with rice, two rotis, sabzi, dal, and something heavy like paneer gravy or aloo, I start feeling extremely sleepy within 20 to 30 minutes. My head feels heavy, my concentration drops, and all I want is a quick 10-minute nap. This post-lunch sleepiness happens almost every working day. But when I try eating a very light lunch like just fruits or a salad I don’t feel drowsy. Instead, I feel hungry again by 3 pm and end up snacking on biscuits, tea, or other unhealthy foods. So it feels like a no-win situation: heavy lunch makes me sleepy, while light lunch makes me hungry. Is this kind of sleepiness after lunch normal, or is it a sign that something is wrong with how I’m combining foods? Does eating too much rice, oily sabzi, paneer gravies, or sugary items directly affect energy levels and cause the afternoon energy crash? Why does an Indian thali often lead to a post-lunch slump, especially
Ans: A standard thali is high in carbohydrates, fat, volume and low in fiber. The reasons for post-meal drowsiness is as blood sugar rises, your body releases insulin, blood sugar drops again and you feel sleepy, foggy, and low?energy. High fat slows digestion, so your body diverts blood flow to the digestive system which makes you feel sleepy. Rice and roti are both starches and increase the load. Sugary items worsen the blood sugar spikes and make you feel more sleepy. A lighter but balanced meal (not just fruits/salad) will help you stay alert and avoid mid?afternoon cravings.

...Read more

Health
Komal

Komal Jethmalani  |454 Answers  |Ask -

Dietician, Diabetes Expert - Answered on Feb 01, 2026

Asked by Anonymous - Jan 16, 2026Hindi
Health
In our housing society, whenever the ladies sit together for evening chit-chat, the topic of ghee always turns into a big debate. Some of them say ghee is very healthy, especially homemade ghee. They claim it helps digestion, keeps the skin glowing, and is even good for children and older people. One aunty even says, 'Beta, one teaspoon of ghee every day is like medicine.' But then there are others who immediately argue the opposite. They say ghee is nothing but fat, and that eating it daily will increase cholesterol, weight, and worsen heart problems. One of my neighbours keeps telling everyone, 'Avoid ghee completely if you want to lose weight,” while someone else says, 'Arre, without ghee, food has no strength.' Last week, my friend added ghee to her roti and another lady told her she was inviting weight gain. But on the same day, another friend told me that her nutritionist sister advised her to include ghee daily. Is ghee really healthy, or is it something we should eat in very small amounts?
Ans: Ghee is healthy in some ways, but only in moderation. It is rich in fat?soluble vitamins (A, D, E, K) and some studies associate with potential anti?inflammatory benefits. However, ghee is still pure fat, and most of that fat is saturated fat. 1–2 teaspoons of ghee per day can fit comfortably into a balanced diet. It’s a traditional fat with some benefits, but like all saturated fats, it’s best enjoyed in small, intentional amounts. Use it for flavor, not as the main cooking fat.

...Read more

Health
Komal

Komal Jethmalani  |454 Answers  |Ask -

Dietician, Diabetes Expert - Answered on Feb 01, 2026

Asked by Anonymous - Jan 28, 2026Hindi
Health
See more questions »
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