Nilam Sharma Ltd.

Dear S.K. Sethi,
_{Insurance Foundation of India}

_{I would like to extend my heartfelt thanks for inviting me and having me be part of your presentation.  India is very much where the UK was 10-12 years ago with regard to liability insurance and education/training and raising awareness of the issues is exactly what has allowed the industry to grow (together with the financial crises and claims of course!). I wish you all the success and look forward to keeping in touch.}

_{Ms. Nilam Sharma,
M. D.
Nilam Sharma Ltd.}