#Free Mock Test Series

[nismexam]

NISM VA Mock Test: A Guide to Preparing for the Mutual Fund Distributors Certification Exam

The National Institute of Securities Markets (NISM) is a prominent institution in India, providing certification and education programs for individuals involved in the securities and financial markets. One of its critical certifications is the NISM Series V-A: Mutual Fund Distributors Certification, designed to equip aspiring mutual fund distributors with the knowledge required to operate in the financial markets. To help candidates prepare for this exam, mock tests play a crucial role. This article delves into the importance of nism va mock test, the structure of the certification exam, and how mock tests can help candidates succeed.

Overview of NISM V-A Mutual Fund Distributors Certification

The NISM Series V-A: Mutual Fund Distributors Certification is mandatory for professionals looking to work as mutual fund distributors in India. It is a regulatory requirement established by SEBI (Securities and Exchange Board of India), and the certification ensures that professionals possess adequate knowledge of mutual funds, their operations, and the regulations surrounding them.

The certification is critical for anyone looking to distribute mutual funds, whether for individual clients or corporate entities. The knowledge gained through this certification helps mutual fund distributors provide sound advice to investors, contributing to better decision-making in personal finance.

Exam Structure and Syllabus

Before diving into the significance of mock tests, it's important to understand the structure and syllabus of the NISM V-A Mutual Fund Distributors Certification exam. The exam consists of 100 multiple-choice questions, and candidates must score at least 50% (i.e., 50 marks out of 100) to pass. The duration of the exam is two hours, and there is no negative marking for incorrect answers.

The syllabus for the NISM V-A exam covers various topics, including:

Concept and Role of Mutual Funds: Understanding what mutual funds are, how they operate, and the benefits they offer to investors.

Types of Mutual Fund Schemes: Learning about equity funds, debt funds, hybrid funds, liquid funds, and other categories of mutual funds.

Mutual Fund Distribution: The roles and responsibilities of mutual fund distributors, including the regulatory framework and best practices in distribution.

Investment Plans and Products: Knowledge of systematic investment plans (SIPs), systematic withdrawal plans (SWPs), and other mutual fund-related investment options.

Investing in Mutual Funds: The process of buying, selling, and switching mutual fund units, understanding NAV (Net Asset Value), and transaction processes.

Investor Services and Rights: The rights and services available to mutual fund investors, including redemption processes, statements, and grievance redressal mechanisms.

Regulatory and Ethical Aspects: The regulatory requirements that govern mutual fund distributors and ethical guidelines that they must follow.

Why Mock Tests Are Important

Mock tests are an essential tool for preparing for any competitive exam, and the NISM V-A certification exam is no exception. These practice tests simulate the actual exam environment, helping candidates get comfortable with the question format, time limits, and pressure of the real test. Here are several key reasons why NISM V-A mock tests are important:

Familiarity with Exam Pattern: Mock tests give candidates a clear understanding of the exam format. By regularly taking these tests, they become familiar with how the questions are structured, the types of topics covered, and the level of difficulty. This reduces anxiety on the actual exam day and helps candidates feel more confident.

Time Management: With 100 questions to be answered in two hours, effective time management is essential for success in the NISM V-A exam. Mock tests allow candidates to practice completing the exam within the allotted time. This helps them allocate the appropriate amount of time to each question and avoid spending too much time on difficult questions.

Identifying Strengths and Weaknesses: Mock tests provide valuable insights into the candidate’s strengths and weaknesses. By reviewing their performance, candidates can identify areas where they excel and topics that need more attention. This allows them to focus their study efforts more efficiently, improving their overall score.

Improving Accuracy: The NISM V-A exam is a test of both knowledge and precision. Mock tests help candidates improve their accuracy in answering questions by giving them ample practice. With each test, candidates learn to avoid common mistakes and fine-tune their approach to answering questions correctly.

Building Confidence: One of the biggest challenges candidates face in exams is nervousness. Regularly taking mock tests builds confidence by simulating the exam experience. The more tests a candidate takes, the more comfortable they become with the exam format, boosting their confidence on the actual exam day.

Tracking Progress: Mock tests allow candidates to track their progress over time. By comparing their scores on different tests, they can gauge their level of preparedness and adjust their study strategy accordingly. If they see consistent improvement, they know they are on the right track.

How to Use Mock Tests Effectively

To make the most of NISM V-A mock tests, candidates should approach them strategically. Here are some tips for using mock tests effectively:

Start Early: Don’t wait until the last minute to start taking mock tests. Begin your preparation with a mock test to assess your initial knowledge level. Then, as you study the syllabus, continue taking mock tests at regular intervals to reinforce your learning and measure your progress.

Review and Analyze: After taking a mock test, spend time reviewing your answers. Analyze the questions you got wrong and understand why you made those mistakes. This will help you avoid repeating the same errors in the actual exam.

Simulate Real Exam Conditions: When taking mock tests, try to recreate the environment of the actual exam. Sit in a quiet place, set a timer, and avoid distractions. This will help you get accustomed to the pressure and time constraints of the real exam.

Focus on Weak Areas: Use mock tests to identify the areas where you need improvement. If you consistently perform poorly on a particular topic, spend more time studying that area before taking another mock test.

Take Multiple Mock Tests: Don’t limit yourself to just one or two mock tests. Take multiple tests to ensure you are fully prepared for the exam. The more practice you have, the better equipped you’ll be to handle the real test.

Where to Find NISM V-A Mock Tests

Several online platforms and coaching centers offer NISM V-A mock tests. These mock tests are often available for free or for a nominal fee. NISM itself provides sample tests on its official website, giving candidates an idea of the types of questions they can expect. In addition, educational platforms like EduPristine, Indiankanoon, and PracticeMock provide comprehensive mock test packages that simulate the actual exam environment.

Conclusion

Preparing for the NISM V-A Mutual Fund Distributors Certification exam requires a solid understanding of the syllabus, effective time management, and regular practice. Mock tests play an invaluable role in ensuring candidates is well-prepared for the exam. By offering a realistic exam experience, nism va mock test help candidates build confidence, improve accuracy, and track their progress. Whether you are an aspiring mutual fund distributor or someone looking to advance your career in the financial markets, taking NISM V-A mock tests is a vital step toward achieving success.

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[nismexam]

The NISM Series V-A: Mutual Fund Distributors Certification Exam is a mandatory qualification for anyone seeking to become a mutual fund distributor in India. The certification ensures that distributors have the necessary knowledge to effectively sell and advice on mutual fund schemes, keeping in mind regulatory norms and ethical practices.

To clear the exam with confidence, candidates must engage in thorough preparation, including practicing NISM Series VA Mock Test. These tests simulate the actual exam and provide an effective way to assess your knowledge, improve time management, and identify areas of weakness. This article explores the structure of the NISM Series V-A exam, the importance of mock tests, and strategies to approach them.

1. Understanding the NISM Series V-A Exam

The NISM Series V-A exam is conducted by the National Institute of Securities Markets (NISM) under the supervision of the Securities and Exchange Board of India (SEBI). It is a multiple-choice question (MCQ) exam designed to test your knowledge of mutual funds, regulations, financial planning, and ethical practices. Here are the key details:

Number of Questions: 100 MCQs

Maximum Marks: 100 (1 mark for each correct answer)

Negative Marking: 0.25 marks are deducted for every incorrect answer

Duration: 120 minutes (2 hours)

Passing Score: 50% (i.e., 50 marks)

The syllabus covers essential topics such as mutual fund concepts, the legal framework, distribution practices, financial planning, performance measurement, and taxation.

2. The Role of Mock Tests in Preparation

Mock tests play a vital role in helping candidates prepare for the NISM Series V-A exam. They offer several advantages:

Self-Assessment: Mock tests enable candidates to gauge their current knowledge levels. They provide feedback on how well you understand the material and help identify weak areas that need further study.

Familiarity with Exam Pattern: The NISM Series V-A exam follows a strict structure. By taking mock tests, candidates become familiar with the types of questions asked, the marking scheme, and the overall exam format. This reduces anxiety on the day of the actual exam.

Time Management: The ability to manage time effectively during the exam is crucial. Mock tests provide a timed environment where candidates can practice completing 100 questions within the 2-hour limit. This helps in pacing yourself, ensuring that you do not run out of time during the actual exam.

Building Confidence: Mock tests build confidence by simulating the exam environment. The more practice tests you take, the more comfortable you will feel with the exam format, which ultimately reduces exam-day stress.

3. Key Topics Covered in Mock Tests

The mock tests are designed to cover the key areas of the NISM Series V-A syllabus. Here are some of the essential topics that candidates must master:

Basics of Mutual Funds: Understanding the structure of mutual funds, types of schemes (equity, debt, hybrid), advantages of investing in mutual funds, and the role of key entities such as the Asset Management Company (AMC), trustees, and sponsors.

Legal and Regulatory Framework: The exam requires knowledge of the SEBI (Mutual Fund) Regulations, 1996, and the AMFI Code of Conduct. This includes understanding the responsibilities of distributors, ethical practices, investor protection measures, and how mutual funds are regulated by SEBI.

Distribution and Sales Practices: Mock tests cover the roles of mutual fund distributors, how to onboard clients, and the importance of adhering to Know Your Customer (KYC) norms. Candidates should also be familiar with ensuring product suitability for clients based on their financial goals and risk profiles.

Financial Planning and Advisory: Candidates need to understand asset allocation, risk profiling, and the importance of goal-based financial planning. Mock tests focus on helping candidates apply these principles to real-world scenarios.

Net Asset Value (NAV) and Performance Measurement: The ability to calculate the Net Asset Value (NAV) and understand its significance is tested. Other performance measurement concepts include Compounded Annual Growth Rate (CAGR), Sharpe Ratio, and Beta.

Taxation: Candidates should know the tax implications of mutual fund investments, such as Long-Term Capital Gains (LTCG) and Short-Term Capital Gains (STCG), as well as the tax treatment for debt-oriented and equity-oriented schemes.

4. Strategies for Taking Mock Tests

To make the most of your mock test practice, here are some strategies to consider:

Simulate Real Exam Conditions: While taking mock tests, try to replicate the actual exam environment as much as possible. This means sitting in a quiet space, using only a timer, and completing the test in one go without distractions. This will help you manage exam stress effectively.

Focus on Time Management: During the actual exam, time is a critical factor. Practice answering all 100 questions within the 2-hour limit. In the initial stages of preparation, you might feel time-crunched, but with regular practice, your speed and accuracy will improve.

Review and Learn from Mistakes: After each mock test, spend time reviewing the questions you answered incorrectly. Understand the concept behind each mistake and revise those areas. This helps in eliminating weak points and ensures you don’t repeat the same mistakes in the real exam.

Gradually Increase Difficulty: Start with simpler mock tests, then move on to more challenging ones as you gain confidence. This gradual increase in difficulty helps you build a strong foundation and enhances your problem-solving skills.

Attempt Section-Wise Practice: If you find yourself struggling with certain sections, focus on section-wise mock tests. For instance, if taxation is your weak area, dedicate a few mock tests solely to questions related to taxation until you feel confident.

5. Available Mock Test Resources

Several online platforms offer NISM Series V-A mock tests to help candidates prepare. Some of these include:

NISM Official Website: The official NISM website provides sample papers and practice questions for free.

Educational Platforms: Websites like PrepCafe, Edureify, and others provide comprehensive mock test series, complete with performance analytics and solutions to help candidates assess their preparation.

AMFI Website: The Association of Mutual Funds in India (AMFI) also offers sample questions and resources for candidates preparing for the certification exam.

Conclusion

NISM Series VA Mock Test is an invaluable resource for anyone preparing for the NISM Series V-A: Mutual Fund Distributors Certification Exam. They not only help you understand the exam structure and manage time effectively but also build the confidence needed to pass the exam. By incorporating regular mock test practice into your study plan, you can significantly improve your chances of success, ensuring that you’re well-prepared to become a certified mutual fund distributor in India.

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[crackexam01]

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[violentdelightsandviolentends]

Walk The Line.

Carmen gets a little jealous. You don’t mind in the slightest.

roommate!carmen berzatto x female reader

warnings - smut. cursing. semi public antics.

word count - 2.5k

authors note - ask and you shall receive 😌. i’ll never get enough of roommate!carmy. i’ll be writing him forever. <3

as always, if you enjoyed this, please consider reblogging!! reblogs are the only way to circulate my writing, which generates more of it. feel free to send me a comment or an inbox, too!! thanks, my loves!! <3

series masterlist. masterlist. inbox.

He’s a little out of his depth, admittedly.

The invitation had been slid under your front door, pretty handwriting on creamy paper.

“A… party?”

“Does it say party, Carmen?”

“No, it says ‘mixer.’ What the fuck is a mixer?”

You laugh, scrubbing a mark off the final dish in the sink before placing it down in the drying rack. Carmy is sat on the counter across the kitchen, reading the invite over and over.

“Seriously, babe. The fuck does mixer mean? So it isn’t a party?”

You dry your hands and make your way over to take the paper from him, eyes scanning over it carefully.

“A mixer is like… a get to know each other thing. It’s sort of like a party, I guess, but not really. Just a casual gathering type situation.”

“Sounds fucking stupid,” he grumbles.

You smack his shoulder, rolling your eyes.

“Lighten up, asshole. It could be fun.”

“Fun? You think having a mixer with all the neighbours from our building on a Friday night is gonna be fun?”

“I think it sounds like an incredible time. My ideal evening. I can’t wait.”

You can’t even pretend not to laugh, grabbing onto his thigh to keep yourself balanced. He puts his hands on your shoulders, trying to look serious, but the grin fighting its way up his cheeks gives him away.

“You really wanna go?”

“Carm, if it’s terrible, we’ll just lie and say we’ve got plans elsewhere. We’ll run away screaming if we need to. It might be good for us though, to meet our neighbours properly. It’s good to get to know them, just in case we ever need anything.”

“What, like a cup of sugar? What is this, the thirties?”

“When you’re testing recipes and fucking them all up, you might be grateful to be able to nip next door and borrow a cup of sugar.”

“I don’t fuck recipes up.”

“No? Then why were you yelling at a lavender and oat crème brûlée last week?”

“It was mocking me,” he grumbles under his breath, hanging his head.

You can’t help but laugh, moving closer to stand between his manspread legs where he still sits on the counter. You brush a piece of hair back from his forehead, tracing your index finger in a featherlight touch down the bridge of his nose. He looks down at you, eyes glued to yours.

“I know for a fact you don’t have anything else planned on Friday,” you whisper.

He rolls his eyes but leans into your touch anyway, where you’re still tracing along the features of his face.

“You promise we can leave if it’s terrible?”

“We literally live in this building. We can just walk up the stairs and be home.”

He huffs, but relents.

“Fine. But please don’t leave me alone with all of the middle aged moms. They love me.”

“Oh, I’m sure they do,” you giggle, leaning in to rest your head on his chest. His arms encircle you, pulling you as close as he can.

Is this scene too intimate for roommates? Without a doubt.

Do either of you care? Not in the slightest.

✵  ✵    ·　 ✵ 　　 *  · ✵

It’s not as bad as he thought it’d be.

The middle aged moms have pulled through, actually. The lobby is decorated with fairy lights, tables covered in alcohol set up against the walls. Everyone has a drink in their hand, chatting and mingling amongst themselves.

You and Carmen walk downstairs a little late. He’d finished his shift and run home to shower and make himself look semi presentable before facing the neighbours.

“We need a signal,” he says suddenly, right as you reach the staircase. “In case of emergencies.”

“Pat your head.”

“Real subtle.”

“It doesn’t need to be subtle, it needs to be noticeable for me.”

“Fine,” he mutters, bumping his shoulder into yours. “Don’t leave me alone with that Erica lady. She scares me.”

“Yes sir,” you mock salute, slipping your hand into his momentarily. “You’ll be fine, Carmen. Like I said, we’ll just leave if it’s awful.”

It’s not awful, actually. It’s quite fun.

It’s nice to get to know the people in your building, seeing as you have lived there for a couple of years now. Carmen has been there even longer.

“Excuse me, sweetheart?”

You turn around to be met with an old lady, leaning carefully on her cane.

“Yes, ma’am?”

“I’m Dorothy. I live in 2B, and I just had to tell you that you look beautiful in your dress.”

You smile, pulling out a chair for her, which she takes gladly. You sit down next to her, spotting Carmy chatting with a couple of guys across the room.

“Thank you so much!”

You introduce yourself, telling her your name and apartment number.

“Ah yes,” she hums in recognition. “You live with your boyfriend who has all the tattoos.”

You almost choke on your drink.

“We’re just roommates,” you say eventually. “But yes, that’s him.”

“Oh, my apologies. I just assumed.”

You’re curious, suddenly. You know you shouldn’t be, but you can’t help yourself.

“Can I ask? Why you… thought we were dating?”

She chuckles knowingly before placing a hand on your knee.

“Honey, he’s got a hand on you at all times. He looks at you like you are the sun. Every time you walk past my window, you’re both laughing. Sounds like love to me.”

Her bluntness is refreshing, if not a little intimidating. No one will say it how it is more than a little old lady who can’t mind her business.

“We, uh… we’re close. He’s a good roommate. A good friend.”

She doesn’t look convinced in the slightest, chuckling as she pats your leg.

“Uh huh. That’s what I said about my husband - real good friend. We’ve been married 58 years.”

You smile, shaking your head.

“Is he here with you?”

“He’s upstairs. He can’t really leave the apartment, these days.”

“You know, if you ever need anything, me and Carmen would be happy to help.”

“No, sweetheart, I couldn’t ask you to-”

“-you’re not asking me, I’m offering. Carmen is an award winning chef at one of the best restaurants in this city. He’d be more than happy to make a meal or two when needed. And I can pick you guys up stuff from the grocery store when I go, too.”

“Thank you,” she whispers, grabbing your hand in her frail one. “You’re good kids, you two.”

You grin at her, squeezing her hand gently.

“You know where I am, if you need me.”

She nods, standing up carefully.

“I’m going to go see if that handsome Jeremy will come and fix my shower for me. He did promise.”

You laugh, watching as she makes a beeline for one of the dads stood in a huddle. You catch eyes with Carmy, who’s still chatting away with a few of the younger guys. He winks at you, all cheeky and carefree, and you can’t help but flush, heat prickling across your skin. You shake your head, smiling, winking back.

Suddenly, there’s a hand on your bicep. You spin sideways, to be met with the sight of a very handsome man. Dark hair, big brown eyes, tall - he looks slightly like a movie star you can’t quite remember the name of. You crane your neck to meet his gaze, smiling softly.

He holds out his hand to introduce himself.

“Hi, I’m Daniel.”

You tell him your name, trying to ignore how his hand engulfs yours.

“Pretty name for a pretty girl.”

You laugh, shaking your head.

“Have you lived here long? Think I’d remember a face like yours.”

Now he shakes his head.

“A month, maybe. I live in 6C. I’ve been working a lot, so haven’t had any time for introductions.”

“Ah. What do you do?”

“I’m a model.”

Of course he is.

“What do you do?”

As you start to tell him, his eyes fix on yours, not leaving for a moment. He listens carefully, both of you blocking out the noise and focusing on each other.

Turns out, Daniel is good company. The two of you find a spot in the corner, away from the noise and the wine drunk moms. The two of you laugh, joke, and talk about Chicago as if you’re old friends. Time slips away from you easily, conversation flowing with minimal effort.

“I don’t want to leave, trust me… but I have a super early call time tomorrow. If you wanted, we could grab a drink sometime, somewhere that’s not our buildings lobby?”

You laugh, nodding.

“Yeah, I’d like that. It was nice to meet you, Daniel.”

“You too. Here,” he says, handing you a small business card with his number on, “text me.”

“I might do just that,” you tease as he walks away grinning.

You’re on your way to grab another drink when a hand slinks around your wrist.

“Hi, Carmen.”

You don’t even have to turn to know who it is, recognising the feeling of his calloused hand against your soft skin.

“Where’s your friend gone?” he all but grumbles.

“He’s gone home, got to be up early for work.”

“Haven’t we all.”

“Ooo, okay Mr Attitude. You’re not having a good night? You didn’t give me the signal.”

“Would you have noticed if I did?”

You spin around to face him properly now.

“Yes, I would have. Because we’re in a tiny fucking lobby and not a football stadium, Carmen.”

He huffs.

“Didn’t think you’d notice if the building fell down, the way you were lost in his eyes.”

“I know it’s a foreign concept to you, Carmen, but eye contact is actually a very important part of conversation. Try it some time.”

Carmy rolls his eyes, grip on your wrist tightening.

“Come on,” he mumbles. “Wanna show you something.”

He practically drags you up the stairs, and up some more, and up some more. Eventually, you reach the roof.

The sun is just setting, casting the city in a warm orange glow. Everything is so calm, so peaceful, so serene. It’s beautiful.

You’re admiring the view when suddenly your feet are no longer on the ground. Carmy has you over his shoulder, carrying you across the rooftop to the brick wall.

“The fuck are you doing?” you cry as he finally puts you down.

He smashes his lips to yours, choosing to shut you up rather than answer you. You kiss back eagerly, confused but not disappointed at the turn in events. Slipping your hands into his hair, you tug him into you, groaning as he grabs at your ass.

“Carmen,” you breathe, “why don’t we just go home?”

“Where’s the fun in that?” he mumbles against your neck, pressing kisses wherever he can reach. When he bites down, you smack his shoulder.

“No marks, asshole. The fuck is up with you?”

Again, he says nothing, just slips his hand under your dress to run his fingers over your underwear. You part your legs instantly, leaning back into the wall to steady yourself.

“Carmen, someone’s gonna see if they come up here.”

“Well then you better come quickly.”

He slips your panties to the side, running his fingers through your wet heat. You keen, knees buckling already.

“Oh baby,” he chuckles. “This all for Daniel?”

It all clicks for you suddenly.

“That’s what-” you choke as he slides a finger into you. “That’s what - fuck - has you so riled up? Daniel?”

“Don’t say his name when I’m knuckle deep, baby. It’s rude.”

You attempt to scoff, but it comes out as more of a moan when he presses his thumb to your clit, circling carefully.

“Am I not giving you what you need, honey? Is that it? Greedy girl just wants more, so she looks elsewhere to get it?”

“No,” you justify quickly. “You know that’s not true.”

“If you can still form sentences, I’m clearly doing something wrong.”

He slips a second finger in, curling them exactly the way he knows you like.

“Carm.”

“He couldn’t make you feel like this, babe. You and I both know it.”

You’re nodding, fingers gripping his shirt tightly as if you’re scared he’s going to walk away. His lips press into your neck again, nipping along the expanse of skin.

“Say it.”

“Hmm?”

You’re dazed, mind hazy with Carmen Carmen Carmen Carmen Carmen.

“Say. It.”

He punctuates his words by curling his fingers harshly. You’re seeing stars, legs giving out.

“He - he… fuck, Carmen, please.”

“So close, honey. Try again.”

You know he won’t relent. He never does, when he’s in a mood. You have to just give him what he wants.

“He couldn’t make me feel this good, Carm. It’s all for you, only you.”

“Good girl. Knew you could do it.”

With that, he speeds up his fingers, his other arm snaking around your back to keep you standing upright.

“Give it to me, baby. Know you want to. That’s it, atta girl.”

“Come for me, there we go. Can feel you.”

“Good girl, good fuckin’ girl. So pretty like this.”

You fall over the edge, clenching like a vice around his fingers as you throw your head back. There’s a sheen of sweat coating your skin, chest heaving with every breath you take. Your vision goes white for a second, gripping onto Carmy’s biceps for dear life.

You rest your forehead against his chest, panting as you try to recover.

“Jealous Carmen is kinda mean,” you mumble into his shirt.

He laughs, wrapping his arms around you.

“You know I didn’t mean it, right? You’re free to date whoever you want. You could do a lot worse than Daniel the hot supermodel.”

You pull back, looking at him carefully.

“I know. I just… I don’t know if I’ll go. Seems a bit unfair to date him when my mind is on someone else.”

You both know exactly who you mean. You both also know that tipsy on a rooftop is not the place to have that conversation.

“Did you ever master the lavender crème brûlée?”

He chuckles, not expecting the sudden change in subject.

“Yes, I did.”

“Do we have any left?”

“We don’t. But I did make chocolate soufflé this afternoon, if that’ll satisfy your sweet tooth.”

“Fuck, yes,” you grin, leaning in to kiss him tenderly.

“I’ll make you a crème brûlée in work tomorrow. Promise.”

“Will you make two extras?”

He quirks a brow in confusion, so you continue.

“We’ve got two elderly neighbours. They’re not very mobile, so I said we’d drop stuff off every now and again.”

He smiles at you, all soft and melted.

“Of course. That heart of yours is too big for your chest, you know.”

You take hold of his hand, placing it there.

“Only sometimes.”

He kisses you again before throwing an arm over your shoulders.

“Let’s go eat chocolate soufflés and drink the rest of that wine you bought.”

“You’re a mind reader,” you laugh, making your way downstairs.

Maybe he is, you think later. You don’t mind in the slightest.