I decided to quit my Actuarial Job and take up Teaching as full time profession.

When I was brain storming on which career to choose being in Junior college, I decided to take up Actuarial Science. There were 2 common reasons for this, firstly my love for numbers and secondly it was among highest paying JOB in most of countries. Yes, I did join actuaries initially to work in a corporate sector and take away big fat cheques every month. Things changed when I actually entered the profession.

In those days, I was looking for some more information over internet but nothing substantial was available. I walked in to official institute’s office in Mumbai but the guy sitting at reception desk was less helpful and had only one answer to every question “Pls visit our website, all information is available there”. This was way back in 2011. The website was way less informative that time. I realised that there is greater need of this information being available on internet. I started finding people of similar interest on social network and got some great information from them. I created a Facebook group and added them all to be able to socialise better. Today there are more than 6200 members benefiting from the group.

Link to the group - https://www.facebook.com/groups/actuary.aspirants/

Eventually when I started preparing the course, being an average student, I struggled a lot to understand the concepts of my first paper CT1. I was hardly prepared and I couldn’t make it in exam. Then I decided to reappear for CT1 along with CT3 and CT7. I joined one coaching institute in Mumbai for CT3 tuitions. I paid INR 12500 in 2011 for one subject. This was huge amount for me but at the end I was happy as it did help me, to some extent, to pass CT3 in first attempt. I cleared CT3 and CT7 in this diet but failed CT1 again. I was least bothered about CT1 and I was literally dancing with joy on clearing other 2 actuarial exam. My journey had just started and now I was sure I will complete my fellowship and will be getting a very high paying job.

When I started for next exam, I struggled again. I couldn’t afford to join coaching for another paper and it was getting difficult. I thought institute would help but there was no support from them too. With no option left, I had to join coaching again for CT5 by paying INR 15000. I could clear this again in 1^st attempt but the cost was pinching.

I had started realising there is a huge dearth of help required to aspiring actuaries. Almost all other profession students get the required help quite easily but things are not same here. I was reluctant to become a teacher myself but I was determined to do something for the profession by helping students like me who need help. I started counselling many students via social networks in similar way as some other seniors genuinely helped me.

Around this time some of the teachers of old coaching classes of Mumbai had left this classes and started their own coaching classes. I got a message from one of the teacher asking me if I wished to join. I needed help again and fees was less in this new coaching classes so I joined. I was in my third year of college by this time in 2014 and had already cleared 4 papers. I was witnessing huge business as no. of students were ever increasing and coaching was hardly available. I would rather say “money making business” happening. I was very anxious to help aspiring actuaries in whatever way possible without earning money but there was hardly any way I could help them other than social network. 

I decided one day to approach one of the teacher of this new coaching classes for some teaching work (at this time I was less interested in earning money out of it), I just wanted to give my profession back something. Coincidentally when I was supposed to approach, they themselves approached me to teach. They asked me to give a demo lecture to them next day and then I was hired as assistant faculty for CT1 (I was literally being paid Rs 350 per student and I was happy with this too). I was just giving things a try and I seriously was not able to understand where I am heading towards. 

Teaching was never my thing, In fact I always had such a huge stage fear that I literally shivered every time I was asked to give a presentation in front of class in my school or college. Something unconventional happed. I could pull of my task well as per feedback received and I literally fell in love with the work. Stage fear and all the other problems disappeared automatically.

I fell in love with teaching profession in these 3 months. Helping other achieve their dreams is a noble job and a true teacher will always see his own success in success of his students.

But, I had to sadly resign from my work as it was painful to see my seniors doing business out of dreams of other aspirants. A teacher can only be a teacher. He/She should not be a business person. Money automatically flows in when you start teaching just to teach. This will never be affected by recession, competition etc. Coaching classes who do business in teaching will always cry hard when competition in this “Business” increases. If teacher will teach only to teach, he will be hardly affected by competition as students know well whom to go for tuition even though there are choices available.

After leaving this classes I started tutoring on my own. I again enjoyed teaching for next 6 months. I dint make money out of it, I just managed to pay my rent of classroom. Now I was a graduate and started looking for a job, I was not yet sure of being a teacher but there was somewhere in my mind a question popping up again and again, why not become a teacher if you love it? But I thought maybe I will love corporate office too.

I found one actuarial job within a week of searching. I thought this was end of my teaching and I will just always cherish this phase of my life that I really enjoyed. But things went other way. I was going mad sitting in office in front of my laptop all the day and started missing my classrooms, I took a decision which dint really go down well with my parents and peers. The decision was to QUIT THE JOB and PURSUE TEACHING as a profession. Well-wisher thought I am making a great fool of myself. Some were craving for a fresher job and I was dying to quit the one I already had. But I was determined. I know I am doing unusual but I was sure, If I help aspiring actuaries in genuine way, I will definitely earn my bread and butter well plus I will do something I really enjoy.

I did what I thought of doing without listening to others.I am just 24 right now. I started my own coaching classes in 2014 itself again. Actuarial blogs and everything happened in the meantime to be able to help well. Intention was and is still only to help students pursue their dream and it really makes me happy. I really get energised after giving good lectures. I enjoy company of so many young students who have got similar dreams. I see myself in them and help them as if I am helping myself. The Journey will go on for long time…

I hope institute will also recognise some genuine teacher’s efforts into actuarial academics in India and someday work cordially to make things better for students…

I haven't named any coaching classes in which I used to work or learn. I do not wish to offend anyone. Everyone has its own ideology to follow. Do contact me incase any offence is being made to anyone unintentionally.

IRDAI has come up with new role of "Mentor Actuaries"

Insurance Regulatory and Development Authority of India (Irdai) has said insurers should appoint mentor, to increase the supply of appointed actuaries.

Irdai is approving the appointment of actuaries who are fellow members of the IAI (but do not qualify with the relevant experience and / or other requirements), subject to appointment of experienced actuary as mentor.

The regulator said that the Mentor should  guide these Appointed Actuaries on day-to-day basis.

"Currently it appears that the mentoring may not be happening as envisage," said IRDAI. According to the new norms, the Mentor should be a Fellow of Institute of Actuaries of India (IAI). However, fellow from any other Institutes wherein the IAI have mutual recognition agreement will also be considered provided the Actuary declares his/ her intention to obtain Fellowship of IAI within next one year.

The upper age limit for the mentor will be 75 years. The regulator has said that the mentor should have at least 20 years of experience in the Insurance field out of which at least 10 years of experience should be post-qualification.

Here, the purpose for appointment of mentor is to support younger Appointed Actuary who is a Fellow of the Institute of Actuaries of India but does not comply with relevant experience/ other requirements  of the Appointed Actuary Regulations. The mentor will be applicable only when AA is full time employee of the company. If the company proposes to appoint AA on Consultancy basis, the Appointed Actuary himself / herself should be able to qualify all the criteria under Appointed Actuary Regulations

The good news is, Insurers have been advised to strengthen the Actuarial function by employing enough Actuarial students. This will help the AA in getting detailed analysis required for performing various statutory duties. In the process, the students will also get practical experience necessary for taking up more responsible positions within the Industry in future.

The above guidelines are effective immediately. The existing arrangements of Appointed Actuaries and Mentors not complying with these guidelines may continue till 30 June 2016. From 1 July 2016, all the appointments of Appointed Actuaries and their Mentors will be in compliance with these guidelines.

According to R M Vishakha, managing director and CEO of IndiaFirst Life Insurance, this arrangement will motivate more youngsters to come on board and gain practical experience.

As part of the actuarial course, the student should mandatorily work as an intern in the actuary department of a company. One has to complete the academic course and prepare for the professional qualification while working. This, say experts, puts a lot of pressure on the students and some of them eventually drop out.

Supporting the concept of mentoring, Saisrinivas Dhulipala, appointed actuary at Bajaj Allianz Life Insurance, said: “Young actuaries would require guidance in handling various issues related to products, solvency, and matters pertaining to liabilities and assets. Having an experienced actuary as mentor will help actuary aspirants to a great extent.”

Irdai approves the appointment of only senior actuaries having relevant experience of at least 10 years, said Sanjeeb Kumar, appointed actuary at Aviva Life Insurance and vice-president at Institute of Actuaries of India.  

According to Kumar, there is a shortage of people with 10 years’ experience in life insurance and general insurance actuarial practice. He noted that the actuarial exams have high standards and the success rates are as very low.

According to the new norms, the ‘mentor’ should be a fellow of IAI. Fellows from any other institutes with which IAI has mutual recognition agreement will also be considered, provided the actuary declares his or her intention to obtain an IAI fellowship within one year.

“In a few years , we’ll have the needed number of senior actuaries once the recent qualifiers get the requisite work experience,” Kumar added.

Source - Business Standard

How to Become an Actuary?

Actuaries are professional that use their statistical and mathematical techniques to quantify uncertain events, risks. Actuaries domains include Valuations, Risk Management, Advisory, Designing (Pricing, reserving) of insurance products and much more. Actuary can work in insurance or non insurance industry. Ability to make sense of data is our strongest point.

This article is for people aspiring to become an Actuary. There is hardly adequate information available on internet, so I am writing this here to give you all the information in one place. This article relates to students who are aspiring to do actuarial science from Indian or UK institute. Let’s get started

1.     Complete 10+2 Education in Commerce/Science/Arts

   

      2.    You should preferably take maths as one of the subjects. This is not mandatory but I generally do not recommend to take up this course if you haven’t studied maths in 10+2. You can join only if you are willing to put in huge efforts to study maths in very short period of time.

      3.    I am assuming you are in India. There are two institutes from which you can write exams to become an Actuary. One is Indian institute, Institute of Actuaries of India and other is Institute and Faculty of Actuaries, UK.

      4.    Both institutes have Exam centres in major cities of India. Exam Pattern of Both institutes are same. Syllabus of both institute is exactly same.

      5.    In Both Institute there are 15 odd exams which you need to pass to be called an Actuary. Exams are held every 6 month and you may opt for max 3 subjects randomly choose. There are 4 groups consisting of total 15 subjects

i.             Core Technical (CT) – 9 subjects

ii.            Core Application (CA) – 3 subjects

iii.          Specialist Technical (ST) – chose any 2 subjects among available options

iv.           Specialist Application (SA) – Choose any 1 among available options

      6.    To be able to write exam of Indian Institute, you need to pass ACET (Actuarial Common Entrance Test). This is held twice every year, majorly June and December. This is online Exam consisting of Least Maths and Stats required to give further Exams.

      7.    To be able to write exam of UK Institute, You need to score 80+ in Maths in 12^th (10+2) Exams OR Graduate with atleast 55% aggregate OR MBA in Finance. If you don’t meet the criteria then you may sit for CT1 exam as Non-Member. If you pass CT1 Exam, you get membership of UK institute. There is no separate exam for entry in Uk institute like ACET.

      8.    Once you pass ACET or meet criteria for UK institute, you need to take membership of the institute by paying membership fees.

      9.    Now, you are all set to write the exams.

      10. First exam that you should preferably take is CT1 and/or CT3.

      11.  Also Note, You may simultaneously hold membership of both the Institutes. If you pass any exam from Indian Institute then you get exemption for same exam in UK and if you pass any particular paper from UK institute then you get exemption from India. Once You clear all 15 exams, You will be called an Actuary. You need to have atleast 3 years of work experience by the time you clear all your exam. Start working after clearing 3-4 exams.

Any more Question? Do comment.

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Also Read - ACET

IS THIS A DEAD END OF FRESHERS JOB IN ACTUARIAL? PART-2

Continued from PART 1

Before complaining you should understand, why companies should hire you?

There are many other students who are seeking the same job. How will you stand differentiated among others?

You should have a few things on your CV which gives you edge over others. Any Intern-ship experience, Proficiency in Visual Basics, R, SAS, SQL etc will help you a lot. It’s difficult to learn all these softwares by the time you graduate but at least Visual Basics is must. Writing/Modifying Macros is most important part of work.

Have you ever thought of going through Insurance Act before going for a Job Interview in Insurance Company Or Going through AS15(R) before you go for a job interview which requires employment benefits valuation? Just think, a small point which says “Expert Knowledge of Insurance Act (Amended)/AS15(R)” will stand out on your CV.

So these are small things that make you unique. When you are seeking a JOB, you need to seek it smartly.

Which Actuarial Papers do I need to get a Job?

Well there is no hard and fast rule but CT1 and CT3 is must. CT5/CT6 is required based on kind of work company does. More papers might be required by few companies. So it’s all subjective to companies. 3-4 papers is ideal.

What if there are no VACANCIES in insurance sector?

This is a bad question as they frequently arise. Indian Insurance companies are growing and they are continuously expanding their team. More and More Vacancies to come up as this sector expands more. This is the right time to start.

Are there opportunities outside insurance?

Yes, A lot. We make sense out of numbers and we can do some really great work in Analytics, Big Data. In recent report of Forbes, It has rated “Data Scientist” as no 1 job in the world. Why don’t we conquer this specific industry as early as possible? Companies require people who are good at maths and number crunching. You can definitely prove you are if you have taken your actuarial exams pretty seriously.

In Analytics, We read huge amount of data with us and try to predict future events and lot of other required information.

These is amazing scope in Risk Management too. Lately, I have seen some companies hiring actuarial students in risk management team.

Maximum opportunities today are in Pensions and other Employee benefits valuation in accordance with AS15(R) and IAS19 which mandates actuarial certification of the report. There is a huge scope in domestic market plus huge amount of work from outside is being outsourced in India this day due to availability of man power in our country.

More the number of students available, more the amount of work coming in India from International market. So lot of people joining in is definitely not a bad news till an extent.

In Short,

- Decide on a field where you want to work

- Make good CV

- Have soft skills and communication skills

- Search at right place.

If you follow this and if you are talented, I am sure you will get a job soon. Plus being into actuarial always be ready to relocate to major city like Mumbai.

Also note, if you have passed exams but your communication skills are not good then sadly but hardly any company would hire you. Companies hire not because they are generous and want to give you a way to earn but to get their work done. So any lack of required talent will result in rejection. When you seek something, you have to dance on the tune of the one who give (At least in Domestic companies, agreed?). There cant be a place for everyone and anyone, You should be ready to make your own space.

So stop complaining, Start searching!

At the end, as always, I advise to stop working for others and start working for yourself. It will take double efforts but then rewards will be more then double. Be your own BOSS! Be an ENTREPRENEUR! 

Good Luck!

Do share if you like!

Also Read - Actuarial Jobs - Myths Busted

IS THIS A DEAD END OF FRESHERS JOB IN ACTUARIAL? PART-1

No, it’s a fresh new start. Profession has just started to mushroom in India. 

Actuaries in India has conventionally worked in Insurance Sector Only. Most of them are employed in this field and still many actuaries working in Indian insurance companies are NRIs. There are as many as 8 companies as per my knowledge who are seeking actuaries but they are unable to find any. So basically, the only field where actuaries are employed is still looking for actuaries. It hasn't got sufficient numbers yet. This is about Fellow Actuaries.

OK, let’s agree fresher are not getting jobs these days. But… Are they really looking for jobs in right place? I see lot of things missing from young students. Everyone is complaining, No one is actually thinking where the problem is. I graduated few years back and all my batch-mates who were into actuarial got jobs within 4-5 months of graduation. I got one within few days, which I quit after 3 months to have my own set-up.

First of all, who in India recruit actuarial Professionals? 

1.     Life Insurance

2.     General Insurance

3.     Health Insurance

4.     Reinsurance Companies

5.     Pension Funds

6.     Consultants

7.     Investments

8.     Government

9.     Academics

10.Risk Management

(Source : IAI)

Now, Let’s note a few quick things you should do, to find right opportunities at right time

1.     Clean, Updated Linked In account is a must.

2.     Just having a linked In Account won’t do.  What you need to do is, make a list of Fellows and follow them on linked In. (Don’t send them annoying messages, seeking a job desperately :p). Likewise Make a list of Insurance companies and Multinational Consultancies working in India. Make sure to have connect with all of them.

3.     Do check Institute’s career page to get a note of vacancies.

4.     Look for jobs posted in various portals like (iimjobs, monster, Naukri etc)

5.     Join Facebook Groups. I frequently see some jobs posting in my Facebook group (https://www.facebook.com/groups/actuary.aspirants)

Is this Enough? Definitely No.

Most important thing is to have a Neat and Clean, Small and presentable CV.

Things to note while making a CV

-    Freshers CV should not be of More than 1 page.

-    Never Ever write Career Objective in it.

  -    Never Ever Write “Curriculum Vitae” in bold on the  top. Instead use the space to write your name.

  -    Write Only Contact no. and Email ID below your  Name on the top of page.

  -    Start with Most relevant qualification and recent    one. Old ones to be followed in order.

  -    Soft Skills Acquired

  -    Achievements, if any.

  -    Personal Details (Marital Status, Languages known,    Age, Address etc). Don’t write too many.

  -    If Possible, Do give reference of any notable person who knows you personally.

-    Font should be small and simple. Highlight important things efficiently.

These point should help you to prepare an apt CV.

Continue Reading … Part 2 

Do share if you like!
Also Read - Actuarial Jobs - Myths Busted

18th Global Conference Of Actuaries - Takeaways

It was very refreshing and enriching to attend 18th Global Conference of Actuaries(GCA), organised by Institute of Actuaries of India(IAI). The event was Attended by Officials of Actuarial Institutes of India, UK and others along with many fellows, Associates, Students and many other Delegates. IRDA cheif and its Chief Actuary were among prime speakers. IFoA president and Director were among the very happening people I met.

IFoA officials themselves hosted very enriching students event on both the days of Conference.

Various speakers presented papers on various topics including regulatory, corporate and economical changes. Topics discussed includes Life Insurance, Pensions, General Insurance and more importantly Analytics. I saw many people pitching analytics as very important feild for Actuaries in coming days.

I have been talking about this in my past. This is the only way out to solve the issue of lack of jobs. We need to get into fields which are called "Non Traditional". Analytics is FUTURE. No company will be able to survive the competition without it. This is right time we Actuaries make our space in the industry. We are apt people to understand this field better than anyone else. All students who are finding it difficult to get a job in " Actuarial" should go for "Analytics" as next best option. Insurance Industry has limited space to absorb each and everyone.

In an informal conversation with IAI president Rajesh Dalmia during dinner, He told me that experience in any profile which requires "QUANT" will be considered in "3 year mandatory Work Experience" required to become fellow.

Hope this will break the ice. Do Share.

Also read - Actuarial Jobs - Myths Busted

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Difference between being Partly Qualified Actuary and Qualified Actuary. Must Read.

It is a great misconception among students that you should start studying actuarial science and you get paid very well after clearing a few paper even if you don't complete the course. Yes, this is a great "misconception".

People start with actuarial science and I would say only 30%-40% (or may be even less) are determined to clear 15 papers and rest feel "Let's start writing exam. I have heard it’s impossible to clear 15 exams but I will get paid very well even if I clear 9-10 papers or even just CT series and stop then". This is not true in reality. 

Let me tell you the difference between what you think and what actually happens by explaining different cases of types of students.

This is how a “non-serious fresher”, rushing the profession these days, plan

• I hear about actuaries from my peers/seniors/family
• I google about it and only articles that I find says it is highest paid job and you need to be good at maths.
• I scored well in maths in 10th and 12th, let’s start doing actuaries. I have no intention to complete all 15 papers and I will get a good job soon on clearing around 4-5 papers.
• I start preparing for CT1 non-member/ACET
•  Pass CT1/ACET. I will clear CT2, CT7 and CT9 and pass it in first attempt as they are very easy. I will get a good job with this many papers.
• I will pass 4-5 more exams in 3-4 years and with full CT series my salary will escalate to Rs 20-30 lakhs per annum. 
• With experience I will get a new job in another company with even higher pay and my life is set. I will get lot of importance and huge salary in organisation as partly qualified actuary as its practically impossible to clear all 15 exam! My god, they are so tough!

What actually happens? #ReadCarefully

CASE 1 (Extremely non-serious)

·         I hear about actuaries from my peers/seniors/family

·         I google about it and only articles that I find says it is highest paid job and you need to be good at maths.

·         I scored well in maths in 10th and 12th, let’s start doing actuaries. I have no intention to complete all 15 papers and I will get a good job soon on clearing around 4-5 papers.

·         I start preparing for CT1 non-member/ACET

·         Pass CT1 in 2^nd or 3^rd attempt. Plan to give CT2, CT7, CT9 immediately.

·         Now I find out that these papers are not at all considered for jobs. #Tension

·         Start preparing for CT3 but then I see that few years back there was 0% result in CT3 in IAI exam. OMG, This is so tough, I am stuck! #FurtherTension

·         I Appear for CT3 multiple times, with no confidence, fail repeatedly

·         Drop Actuaries

·         Let’s Do CA/CFA/CS! #HappyEndingAtTheStartItself

CASE 2 (Intelligent but not determined enough to crack all 15 exams)

·         I hear about actuaries from my peers/seniors/family

·         I google about it and only articles that I find says it is highest paid job and you need to be good at maths.

·         I scored well in maths in 10th and 12th, let’s start doing actuaries. I have no intention to complete all 15 papers and I will get a good job soon on clearing around 4-5 papers.

·         I start preparing for CT1 non-member/ACET

·         I Pass. I take further advice and start preparation for other important subjects.

·         Appear for CT3, CT5, CT6 in net few attempts.

·         Start looking for a job. Get one. Wow! My salary is 35K p.m. and I am just 22 years now! Life is awesome! My hard work paid off! #HappiestSoFar

·         Start preparing for CT4. Gets demotivated, gives CT9 instead. Again start CT4 but then drop the plan to clear CT2 and CT7 first. By now salary is 50K p.m.

·         Start CT4 again, still not able to grasp. Have a look at CT8, find it even more terrible. #TooBadToStart

·         Now I feel a stage in my life has come where I am settled. I will get promotions based on my experience. I try but I am not able to cope up with exams due to time, determination, patience and confidence and seriousness constrains. #FeelingSafeAsOfNow

   This is the case with majority candidates. What happens with these candidates after this?

-          Company/Boss is pressurizing to pass more exams and at the same time giving more work.

-          No great salary hikes now as before.

-          No promotions as some junior cleared full CT and he is now pushed ahead of me. (You should know that in corporate life, Degrees and recognitions are most important factors.)

-          Demotivation seeps in.

-          Feels Stuck. No Satisfaction. Lot of pressure.  #HopeIwasDeterminedFromStart #LetMeSitForExamAgainAndTry

CASE 3 (Intelligent and Determined to Do it)

·         I hear about actuaries from my peers/seniors/family

·         I google about it and only articles that I find says it is highest paid job and you need to be good at maths.

·         I scored well in maths in 10th and 12^th. But let me research further. I find out its really difficult but my love for maths is infinite. I AM CONFIDENT THAT I WILL DO IT!

·         I Appears for ACET/CT1

·         Pass CT1. Takes Further guidance. Pass CT3, CT5, CT6. #Quick

·         Get a job within 4-5 months of good search.

·         Hardly anytime now with me along with my job but I am still very determined to DO IT anyhow given all the constraints.

·         I give up my weekends, evenings. #WorkingHard

·         I Clear CT Series in next 2 years.

·         Start CA1. Clears it. #Wow

·         Gets promotions and naturally I am placed on higher ranks then my colleagues who has 5 years more experience but hardly any papers. #BoostToDetermination

·         Picks up few ST papers. Clears it. #On7thSky

·         Clears SA series too. #Wow #ICanDoIt

·         By now I am 13-14 exams done and my age is around 30. Ohh God! The Journey was really long and now it’s just a matter of 1-2 more papers. My monthly salary is multiple lakhs by now but I am still craving for “Actuary” tag as still I am not getting that importance and happiness and of course salary that an Actuary begs. The one I had imagined before writing the first exam!

·         I push it hard. Clears all 15 exam in next few years.

·         Ah, I am an Actuary and suddenly everyone is looking at me with a very humble attitude, respect, grace etc. No one debates me, no one counters me as they feel no one can be more intelligent than me. And yes, it’s a common topic during lunch time of my juniors to discuss my salary and I love to keep it a secret. Haha. I am loving it!

What happens with you further?

Some Actuaries love India a lot and love to be here whatsoever and some get an offer letter from US or similar destination and fly immediately. I need not explain further how your life will be then. All this at the age of 30-32 or sometime even less if you start by the age of 20-21. Encouraging and rewarding enough but YOU NEED TO BE DETERMINED TO COMPLETE THE COURSE AND NOT LEAVE IT MIDWAY!

I hope you understood well how life turns around and plays with those students who enter the profession thinking its not important to clear all 15 papers and life will still be set. Yes, you might be earning well without completing all 15 but then comes a loop and career is stuck. There is a huge and amazing turn around in your life when you move on from 14^th paper to 15^th paper. It’s the 15^th exam that matters the most.

In very simple words,

Candidate with 15 papers = ACTUARY

Candidate with less then 15 papers = NOT AN ACTUARY

It’s very easy to enter this profession but very challenging to get through. There is no escape in between! If you enter, make sure you survive till the end!

Thank You for reading.

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