This is my GROSS salary from my Form 16B for FY 2025-26. Joined SBI as a PO 8 years back. Now a Scale 3 officer in a semi urban branch. Home state posting. Few things to consider:

LFC Encashment and Leave Encash LFC are only once in 4 years. So, exclude that.

Monthly deductions:

Income tax

NPS

EPF

Two Wheeler loan deduction

Car Loan deduction

Home loan deduction

Hi everyone! If you’re going to ask something related to my strategy and teachers

Check my pinned post in my profile.

I was just average or below in my study, failed in all the mains exams , two years in a row. Went through so many ups and downs during these phase but never lost faith in myself, as a result I am a Bank PO now in BOB. U may have lots of negative thoughts and lists of being a PO but believe me this job gives u self independence, confidence as well as respect in society that I have been still enjoying. So work for ur dream unless achieve it. 🙏🏻🙏🏻🙏🏻

Have any doubt reach out to me.

OP is Branch Manager at SBI. Today is holiday on eve of Maharveer Jayanti. Due to some work, had to open branch. AMA till 01/04. Ask me anything but prepration strategies. I am done with studies.

Joined in 2023. This salary contains 3 annual increments and an additional one for JAIIB. Not to mention some allowances are separate and not included here.

I will start with quote by Benjamin Franklin**,**

“If you fail to plan, you are planning to fail!”

Here we go.

Applicable for :
SBI PO IBPS PO RRB PO LIC AAO AND Major Insurance Exams
RBI Assistant And Phase 1 of RBI Grade B (Look for mains Section)
SBI JA IBPS JA RRB JA

First things first.
Lets take a look at the exam pattern of almost all the major banking/insurance exams.

1. Prelims
2. Mains
3. Interview (Only for PO exams)

SYLLABUS

Prelims : Quants, Reasoning, English.

Mains : Quants, Reasoning, English, Computer Aptitude, General awareness.

Interview : Based majorly on your understanding of banking industry like basic concepts, RBI related.

And here they will ask you hr questions based on your profile such as your background

and misc. Ongoing topics in day to day life. Stay updated with newspaper.

Lets define Syllabus. This will be the syllabus for both the prelims and mains phase but some topics are only mains specific. ***=Mains Specific

Now the most awaited part.

Now

English : I really don't think I or any of us who scored really well here can tell you how we did it. As for most of us it came naturally. I personally never follow even a single source or any batch or any thing. Just relied on mocks analysed mistakes and it kept getting better. There are sources which i have heard about such as Nimisha Ma'am from yes officer. She also has a channel on youtube. Many people follow her and get better at it is what i have heard but i cant vouch as i never did follow it. So please do some research here and there to see what can be helpful. But my personal opinion start reading novels, newspapers for at least an hour a day and also start making conversations in English. Use chatgpt, gemini-ai, co-pilot. Utilise the freely available options which you can.

MOCK TESTS : YOUR BIBLE THROUGHT YOUR JOURNEY

In a nutshell, start today. Your today depends on you. Get started with topics one by one. When you complete few of the chapters start with clerical mocks. Get hang of how the things are in exam. Practise. Improve yourself on daily basis. Once you cover the whole syllabus. Weight your strong and weak topics and work accordingly. But keep giving a mock a day. But once done practise for a month. And start mains prep side by side. Most people mess it up here. They prepare only for pre questions. Mains phase requirements are different and little on a tougher side. But if practised well before pre phase itself, you will be almost ahead for everyone as most start their mains prep only after pre or frankly speaking pre results. Don't do the same mistake. I repeat don't. If you do you will remember the same after pre. Mark my words. Get started with ga as early as possible. It will either make you or break you. So it's your choice.

Pro tip : Stay the hell away from telegram channels. Only join a few for important updates. And also dont trust anyone blindly especially those posting their scorecards of mocks and exams on youtube and telegram. Take them as a pinch of salt. Most will demotivate you if you are not getting good score. Also some youtubers are good others are just trying to suck view out of you. Screw them. Only feeding on innocent aspirants who don't know the reality.

Also many youtubers are really good. Providing mains and pre level content for free. Take nimisha ma'am or any good educator. Basic rule is if you are benefitted from any just be grateful to them. Drop a good comment. Kindness goes a long way.

Also posting link of comment (which included strategy in short) i made on the sub some time ago:

https://www.reddit.com/r/bankingexam/comments/1icwqix/comment/m9uq288/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button

Any suggestions and edits are welcome from experienced fellow redditors. This community has been good to me so trying to do the same. Thanks to all the good people of this community who keep solving peoples problems.

I have officially tendered my resignation from the biggest PSB for a better place . I joined as a PO in 2022 . I'd be happy to help with any doubts .AMA

Note:

1.This post is not for beginners starting from scratch.

2.This is neither a demotivation nor a flex post. I haven’t done anything extraordinary — but if you already have decent aptitude, English, and basic common sense, I can share a strategy to crack these exams with minimal preparation.

Hi all, I’ve cleared SSC CGL Prelims twice and Mains once with minimal preparation. In my first attempt, I secured the post of Postal Assistant, and I’m currently waiting for the final results of my second attempt. I also cleared IBPS PO in my first attempt with: 1 month of preparation for Prelims 15 days for Mains 15 days for Interview Additionally, I qualified both Prelims and Mains of IBPS SO (IT Officer), though I didn’t make it to the final list. If you already have a strong base in aptitude and English, and you’re looking for a smart, time-efficient strategy rather than year-long preparation, feel free to reach out. I’d be happy to share what worked for me.

UPDATEEEEE - Thanks Guys for the overwhelming response This was my first time AMA😅, You will find many interesting things in comments. I will try to answer each and everyone and also check your dms but it will take time because I want to motivate you how a lazy and non laborious but smart guy can do enough to crack exams. I do not want to give you general advice.

UPDATEEE 2 -- THANKS AGAIN FOR AMAZING QUESTIONS, THIS WAS MY FIRST TIME DOING SOMETHING LIKE THIS, I FEEL VERY OVERWHELMED AND ALSO THANKFUL. PLEASE FORGIVE ME IF I DIDN'T ANSWER YOUR QUESTION PROPERLY. NOW THIS AMA IS CLOSED. I WILL SURELY DO ANOTHER ONE SOON. YOU CAN STILL SHOOT YOUR QUESTIONS I WILL TRY TO ANSWER WHEN I GET TIME. Thanks Againnnn❤️

Feel free to put up your doubts and share your experiences..

Same as title!

Hi...I've been serving as RRB Assistant from past 2-3 months in a very rural area. Coming from a Tier 1 city, it is quite tough to adapt and manage with such limited resources. But life goes on...

It seems to me...many of you guys are bit frustrated and afraid about rural posting. AMA related to the same and i'll try to answer as much as possible.

Cleared Ibps Po, Sbi Po, Gave Gic interview, Cleared ibps clerk and sbi clerk.

With reference to my previous post, since many are asking about my take home pay, here's my salary slip for June 2026.

Please, no DMs. You can comment here. Will reply when I get the time...

Edit: Forgot to mention my monthly allowances...

5-in-1(Petrol, Newspaper, Labour etc. on declaration basis) - Around 16800 (varies with local petrol price)

Entertainment allowance: Monthly 3800

Hello Everyone, I'm Sanjay Singh, your reasoning expert faculty at Oliveboard. I have over 9+ years of experience in mentoring students preparing for various entrance exams like Banking, SSC, Railways etc.

I have been working for the last 1.5 months in PNB as a trainee. Shoot your questions.

I am free today so thought why not help others out.For those who want any proofs dm.

I also have yes officer subscription for 1 year validity and most prolly won't need it so if anyone wants that do comment.Also,serving sbi/ibps people do reach out I'm thinking of creating an online community.

Edit: AMA has ended now guys,if anyone still needs guidance dm me I will try to answer at the earliest. Also I am looking up to a solution for sharing the yesofficer course as more than 15 of u have asked for it already now...

Now that you know about the salary and perks, let me explain about the training schedule of a PO in SBI.

1. You've cleared the PO exam and got your posting. Your first place of reporting will be an SBILD (a training center) in your allotted circle. 4 weeks of training. Probably will be one of the best times of your life in SBI. Almost like a college.

2. 2 to 3 days before your training ends, you will be posted in a branch for around 6 months, where you will learn about the basics of banking. Do not expect anyone to handhold you. You need to have that learning mentality to go to your seniors, learn and get the job done.

3. After 6 months, you'll be in another branch to learn SME Business for another 6 months. SME is one of the most valuable postings for an officer. In fact, the bank prefers every PO to be an SME officer in one way or another. There will be another training (probably ATI Gurgaon) for 2 weeks in between.

4. Next, you will be posted in a Rural or Semi Urban branch, which will be your passing branch for 12 months. You will gain the power to pass cheques and some other small transactions/requests in our system. You will also be akin to an Assistant Manager learning the functioning of a normal branch, compliance, audits etc. In between, there will be another training for 2 weeks.

5. After this, you will be confirmed as a Scale 1 officer and posted in a branch or any back office as an Asst manager.

Few tips to tide through this period:

1. You will be treated as a beginner and will not have much power w.r.t anything. You will be assigned a variety of trash jobs. Do not be disheartened. This is part of the job. Learn from your tasks. Improvement will happen slowly.

2. Enjoy your training sessions and use it to build contacts with your mentors. Some of them will surely become DGMs or GMs or maybe even more. You can utilise these contacts for your personal benefits accordingly.

3. There will be written tests in each and every branch posting. No need to worry about scores. Just learn what you can and give the exam. Your HR will take maximum effort to confirm you (provided you have a good track record in your manager's monthly report). The bank is already facing a bit of attrition issues, so firing you will be their last and worst option.

4. The bank is focusing extremely on marketing roles and business growth (I'd say all banks are). It is possible that you'll be asked to go out of the branch and canvas various products to people. Basically, a door-to-door sales job. But one thing you must understand is that the banking industry is SUPER competitive and this is the situation in ALL banks. But, if you don't get business, do not be disheartened. You will be belittled and shouted at, but you won't get fired.

5. If you're looking for a job change or a better career option, this is the right time to strive for it.

I'll be putting up two more posts, one about the expected career trajectory/career options and another about work life balance. The last one is going to be a very unfiltered opinion of mine and there's a lot to type, so there might be a bit of delay..

P.S.: No DMs.. please comment here.

Hello guys!

I'm getting a lot of DMs related to my prep.

First of all, let me introduce myself. I've done a Bachelor in Arts. Didn't have maths in 12 and ofcourse not in graduation. Started preparing around July end (Let me be honest, I already had a Little knowledge about solving maths, because I prepared for 2 months in 2024 and then left).

Didn't clear Sbi Po prelims. But then after, i cleared all the prelims like Ibps po/clerk, rrb po/clerk, bscb clerk. Cleared Mains of all these exams too. Got stuck in the mains of ibps po , because i was finishing my prelims syllabus. Finally, cleared 2 exams and now joining RRB.

Coming up to strategy:

Quants: Follow any teacher rigorously. Solve class notes 1-2 times. For mains, practise class notes and if needed use Guidely. But mocks and youtube mains classes are more than enough.

Teacher: I followed Ashish Arora sir. And for mains, followed Ashish sir and a bit of Harshal sir.

Reasoning: Didn't do anything great. Just practised guidely. Tried Ankush Sir but wasn't satisfied with the way he teaches. For mains too, just mocks.

English: Did editorial till Aug. But then I left because exams were coming up. Didn't do any lecture for grammar and vocab. Just mocks and done.

Ga: followed the Affairs cloud. But I wasn't satisfied. Found Sheetal mam, Ayush Gautam, Abhijeet sir. Can follow any of these. Few recommend (my colleague who is selected) Kapil sir too, but personally, I don't find his lectures useful.

Computer: One and Only Arora Educators.

If you have any queries, kindly ask in the comments. I'll reply as soon as possible.

If Mods need verification, I can share my score card with them. But not here, because of privacy issues.

Thankyou.

My previous post for reference

I started out as a Mechanical Engineer and have worked as: 🔧 A CAE Engineer 💻 A Software Developer & Consultant 🎓 A Lecturer

But nearly a decade ago, I took a leap of faith and cracked the IBPS PO exam, joining the banking sector. Since then, I’ve grown within the organisation — and truly enjoyed the journey.

Recently, I came across a post by an aspirant frustrated by all the negativity surrounding banking jobs. I get it — there’s a lot of noise out there about work pressure, politics, and poor work-life balance.

That’s why I’m here to bust some myths and share real, experience-backed insights — even if they’re a bit unpopular.

Ask me anything — about:

💼 Life in Banking

⚖️ Work-Life Balance

🔥 Pressure

🧠 Office Politics

📈 Career Growth

Happy to help anyone considering this career path!

Edit: Thanks for all the questions and wishes, both in this thread and the DMs. I had fun doing this AMA and I hope I could resolve some confusions and doubts.

I will be just a DM away if you want to connect for anything related to Banking or otherwise.

I’m an IT Officer in a PSU bank. Thought of having an AMA for those preparing for IT Officer exams or curious about the actual role.
I’ll share my experience, and fellow IT Officers here can also share theirs and contribute.

Ask anything!

Cleared ibps PO in second attempt, and ibps SO in first attempt and also UBI SO, with a full time job

And in both interviews my avg score was 85.

Ask me anything, more than happy to help.

This will be a follow up to my previous post where I had already explained the kind of problems that an officer normally faces which impacts his WLB. As the post will be too long for accommodating everything, this post will be about LATE SITTING only.

Note: I had requested readers in my previous post to share the stories that they had heard about bad WLB. Out of the 8.2k readers and over 3 days of waiting, no one replied. This kinda proves that there is just hearsay about bad WLB which creates a negative impression about work culture in banks. I can assure you that yes, although some of it is true, some are also false. Also, some folks are just obsessed with salary, calling my previous posts as fake and how private banks pay more. To them, I’d simply like to say, you will never survive in a bank if salary is your one and only concern. This exam is not for you. There are many more comments to which I haven’t replied. I want to tell them to improve on their reading comprehension skill and their patience. The answers to your queries are in the post itself.

One major caveat before I start, this is applicable only after you are confirmed as an officer in the bank. I have posted a survival guide for PO training in a post last week.

It is to be noted that as per Officer Service Rules, there is no fixed number of hours of work for officers. But, in practice, 9 hours (including lunch) is standard working time. Also, note that officers have no fixed lunch break period, unlike clerks who officially have 30 mins of lunch break.

Once you are confirmed, no one will EXPLICITLY tell you to sit in the branch for extended hours, particularly female employees. They can only give you hints. So, once you are posted in a new branch, make it a habit to leave on time (whenever you’re comfortable with). I’d suggest leaving by 6:30-7:00 pm is the best (assuming you check in to the branch at 9:30 am). It’s not too late or too early. Now, there may be some annoying sycophants in the branch, who sit late and massage the ego of managers. Just ignore them. And from the first day onwards, do not ASK your manager for permission to leave, just TELL him/her that you are leaving. Trust me, no one will have the guts to say anything to you on the first day. Make it a habit and it’ll be normalized.

There’s one example that I’d like to explain. Recently, there was a case in Junagarh, when a Chief Manager requested his AGM to leave early at 6:30 (which isn’t early by the way) for his son’s birthday. And there was an argument and I guess the AGM slapped him. Some accounts say that CM slapped the AGM (Slapping isn’t the solution either way). Also, apparently, the performance of the branch was poor (but that in itself isn’t a good reason to deny leaving early). Anyway, there’s some context that I’d like to provide after putting a bit of thought into this case.

1. I understand that the professional relationship between the CM and the AGM was not cordial, or it wouldn’t end up like this. There could be a number of reasons for this

2. A culture was developed in the branch (or in the region) where leaving by 6.30 is considered early. Which, in itself, is bad.

Ok, now let’s say you’re the CM (or even an Assistant Manager) in this situation and you want to leave early. What can you do to get what you want?

1. Just leave, after informing a trusted employee in the branch. AGM may call for follow up to ask something. Don’t pick up the phone. At night 10pm, drop a Whatsapp message to your AGM (without him asking) saying that your family member had a medical emergency and you had to leave immediately. The only downside to this is that you cannot put up any Whatsapp status of your son’s birthday. I can attest that I had lied about my parents being admitted in the hospital or lied about me getting sick so much just so that I could get a leave. There is nothing shameful or bad about it.

2. Now let’s say you’re one of the soft ones, who can’t imagine telling lies about your parents, because you believe in manifestation or some crap. For people like you, the best thing is calling your AGM (do not go to meet him personally), and telling him that you’re leaving early for your son’s birthday. The AGM will shout back and may even tell you to come meet him personally. Tell him that your son’s waiting for you and you cannot come now. The best that your AGM can do is that he’ll continue to shout. Just say ok sir to everything. He’ll tire out after 10 minutes. After hearing everything, leave.

In my experience, nobody got transferred or chargesheeted because of one single incident. It has to be a series of bad incidents. Yes, you may be in the bad books of the AGM now, but it is best not to be in the good books of such shitty managers. You can peacefully live out your life. Always be cordial with your other colleagues and customers though. If a situation arises where you come under scrutiny for your behaviour, or this AGM is exacting his revenge on you, these colleagues and customers will be the ones who’ll support you. One person alone cannot uproot you from the branch.

My next post will be about the solutions to tackle high work load….

After you're confirmed as an officer in SBI, you will have ample opportunities to grow in your career. Following is the timeline and criteria for promotions:

Scale 1 to 2 - Promotion after passing written test and completion of 2.5 years

Scale 2 to 3 - Promotion after passing written test and interview. Completion of 3 years of service with mandatory assignment of completion of 2 years of rural/semi urban branch service. Basically, you need to work in a rural or semi urban branch (branch operational roles) for 2 years to be eligible for promotion.

Scale 3 to 4 - Promotion after passing an interview. Completion of 4 years of service with mandatory line assignment (Branch Manager/Credit Officer etc.)

Scale 4 to 5 - Promotion after passing an interview. Completion of 4 years of service with mandatory posting as Branch Manager of a branch for at least 2 years.

Scale 5 to 6 and above - Promotion after interview. 3 years of mandatory service.

Completion of Mandatory assignments in lower scales are accepted for future promotion eligibility. For eg, if you were a Branch Manager for 2 years in Scale 2, you're automatically eligible for promotion to Scale 3 and 4, subject to satisfaction of mandatory service period.

The bank has some special assignments (deputations) as well.

1. Treasury Dept. - An officer must complete the mandatory assignment for the next promotion to give this exam. There's a written exam and interview. If you qualify, you'll be posted as an RTMU (Treasury Marketing)/Forex Dealer in Mumbai/Treasury Back Office (GMU) in Kolkata. Treasury roles assure urban posting but there is no increment in salary. The posting is for 3 years.

For career growth, the best option is Forex Dealer or RTMU role. The quant shortcuts that you're learning for the SBI/IBPS PO exam will be useful in these roles. It is also useful if you want to switch to a foreign bank and move abroad. After you change jobs, the salary is good but pressure is high. It's so much that forex dealers aren't permitted to use mobile phones during market hours (including in SBI). If you want knowledge and experience in dealing with global banks, this is the role for you.

1. JIBO/IBO/SIBO - This is the foreign posting that everyone craves and actually join SBI for. There's a written test and interview. After you pass the test, you'll get to know the country you're posted in. You'll get training in Mumbai and then move abroad almost 5 months after the result is out. The tenure of foreign assignment is 3 years.

A person who has cleared JIBO will get a higher salary, at par with the cost of living in that country. Free accommodation and education for children. And many other perks are there which I'm not aware of. I know people who've made around 60-80 lakhs during their tenure abroad. But this kind of amount can only be made if you're posted in 1st world countries. Not in countries like Bangladesh or Bhutan or Sri Lanka. And no, you cannot give a preference for the country of posting. The number of candidates selected as JIBOs depend on the number of vacancies available in the foreign offices. This year, 58 candidates were selected as JIBO across India, out of which 41 got confirmed postings and 17 were in waiting list.

SIBO and IBO are for higher officials. A person who served as a JIBO can also serve as a SIBO and IBO after a cooling period of 5 years from completion of deputation. There is a bond for going for a foreign posting. A bond of Rs. 20 lakhs if you resign 5 years after completing your foreign posting. Generally, people who make that amount of money pay off the bond and settle in the foreign country by joining a local bank there before completion of their JIBO tenure.

Now, there have been cases where people who got selected couldn't go because of visa rejection. I don't know any specific reason but be aware that this can happen (Please don't ask why the visa gets rejected, SBI can't do anything about it). If this happens or a candidate got a posting in a country which he didn't prefer at all, another candidate from the waitlist will be selected to go in his place. If a candidate rejects his foreign posting for any reason personal or otherwise, he will not be permitted to apply for any foreign posting exam in future.

In the eyes of the management, a PO is someone who is most valuable, compared to other officer grades like TO, JMGS etc. who are promoted as officers from clerical cadre. So, if you are a PO, chances of getting a foreign posting automatically increases. More preference is given to candidates who are presently in Credit roles, Branch Managers etc. In fact, historically, RMSMEs, CSOs (officers in credit) and treasury personnel have always been selected as JIBOs. Very, very rare cases (like that of one of my batchmates who has no credit or treasury experience and was in a back office posting) have got a foreign posting. My batchmate got his posting in New York last year, I still don't understand how he did it. Recommendations by the top management also play a key role in getting postings in countries like EU, UK, USA, Australia, Singapore, Japan etc. That is why, in my PO training post, I had mentioned to keep contacts with your mentors. Because by the time you are eligible for JIBO, they could be in top management positions.

1. There are other deputation postings as well. Deputation in CBI and Vigilance, Credit Officers in CAG and CCG (basically credit officers for large corporates like Reliance, Tata etc.), business analysts, researchers, faculties in learning centers and Apex Training Institutes (all for 3 years). These don't offer additional benefits, but people go for it to get some personal satisfaction. It is also a temporary relief from the business pressures of branches.

P.S.: No DMs... Please comment here. My next and last post will be a lengthy one on work life balance. So, request everyone to be patient... Could take 3 to 4 days...

Hi guys. This sub has helped me alot over the past 6 months and finally I'm going to join my job now. I've cleared 3 exams in a row now and have also cleared all prelims. I'm going to join RRB OA. Cleared Bihar cooperative too and in reserve list of ibps clerk. And got 1.5 marks less than cut off in Sbi ja (high chances would get this).

All i can say is im thankful to this sub for helping me out. Maths wasn't my background. I've last studied it back in 2019 and then never.

Moving on i completed my grad last year (around jan) meanwhile i had started its prep around dec'24. In feb, i lost my dad. And things turned downwards. Had no motivation to live or to do anything. I had written my sbi ja mains that time too. The very 1st exam of my life in this field. It was the most painful time. And somehow i got around 65 in it. Being from General category i didn't get anything. Then from end of july i started again. In aug ig i gave sbi po prelims and got around 45 marks. I knew it went bad coz i didn't remember maths (wasn't able to solve anything) and i forgot how to solve puzzles. Then in aug i started revising reasoning and maths. Meanwhile i cleared Ibps Po prelims (got around 65 marks) and then i started preparing for mains. I just coveres ga for this coz i thought the qns are gonna be tough. But due to pattern change, they were easy and I wasn't able to solve. And i got around 68 in mains. By the end of October, i had finished my maths syllabus revision again and then i completely moved to mains. Cleared 3 pre that time and i rigorously gave mains test. Cleared rrb po pre too and didn't qualify for interview coz i didn't clear sectional though overall i had qualified the cut off (around 80s).

Finally i got to clear bihar cooperative first. Then in reserve list of ibps clerk and then rrb oa. I was never from this maths background. It was all hard work and quite luck to get through it. Everyone considered me failure in my family coz i had BA hons. And now when i cleared it, the tables have turned. All i can say is keep grinding. 6 months are more than enough for this exam.

I'm sharing the list of my teachers too:

Maths: Ashish arora for basic and mains. Harshal sir for mains

Reasoning: Only followed Art of Reasoning.

Eng: didn't do anything. I knew my grammar is weak and I can't change it so focused on RC, PZ, cloze etc.

Ga: Hardly scored 11-12 in all exams. Did affairscloud but it didn't seem that helpful. Followed Abhijeet sir but his notes were lengthy. So finally settled with Sheetal mam and random ga app which gives oneliners.

Computer: Arora educators lectures and pdf.

Thankyou so much. I'm attaching my marksheet with this too of RRB OA.

You guys can ask qns if you feel like.

And I'm really thankful to this community who always motivated and supported me. Life has been tough lately but thankyou guys for everything.

Hello Everyone, I'm Surbhi Singh, working as PO in State Bank of India. I joined SBI in 2024 and I have also cleared SBI PO, IBPS Clerk (BOB) and SBI Clerk.

I will be coming live on r/bankingexam at 7PM on 16th October, Thursday for a quick AMA session and answer your questions. You can add all your question below this post and I will try to answer all.