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← back to NOI-2026-03122

Vivek Ramniwas Gupta — everything the e-filing asks for

NOI-2026-03122 · PNB Housing Finance Ltd (PHFL Home Loans) · read by the engine from the Index II — not yet verified by a person
Step 2 of 2: the e-filing. The challan is paid; its boxes are folded below.
55 of 58 e-filing boxes ready
Empty: Date of Mortgage, Mobile (person 2), Mobile (person 3)
34 box(es) highlighted — not from the Index II / the Aadhaar, derived, or EzDocs was not sure: Hadd type (Corporation / Council / Gram Panchayat), Hadd name, Road, Second number, Building (person 1), Floor (person 1), Flat / house no (person 1), Road (person 1) …
Challan: 13 of 13 boxes on the case · highlighted: Property box 1 (flat, floor, building, survey / gat / CTS), Property box 2 (the road) · paid
amber = not from the Index II (property) / the Aadhaar (home), derived, or EzDocs was not sure — look at these; red = another paper prints something different, or EzDocs disagrees — decide; plain = from the authority for that box, in the document.
EzDocs is reading this file’s papers against every box on the form. Nothing is held up — refresh in a few seconds to see what it found.

Property — the challan’s address and the e-filing’s Property page

Read from the Index II — the government’s own words
The document is in Marathi; the English boxes are EzDocs’ transliteration, so a word-for-word match is not possible. Press Check every box with EzDocs — it reads the Marathi beside each box and names any box that does not agree.
The same flat on the other papers? Only the Index II’s address goes on the challan and the e-filing; the others are compared with it, never typed.
✓ the sanction letter (Sanction_letter (22).pdf): the same place, spelled differently — “C Wing Room No. 1108, 11th floor, Poonam Vista, Virar West, Thane, Dongre, YK Nagar, NX Homes Road,, ., MAHARASHTRA, India, 401303” (the names agree; not printed on one side: virar, thane; the PIN agrees; the flat agrees; the wing ag)
District * · the portal’s list
✓ in the document
✓ also on the sanction letter (Sanction_letter (22).pdf)
✓ also on the branch's mail
from: the Index II (Index II.pdf)
Taluka *
✓ in the document
✗ the sanction letter, p.1 prints “Virar” — check
✓ also on the sanction letter (Sanction_letter (22).pdf)
from: the Index II (Index II.pdf)
Village *
✓ read by EzDocs (document is in Marathi)
✓ also on the sanction letter (Sanction_letter (22).pdf)
✓ also on the branch's mail
from: the Index II (Index II.pdf)
Hadd type (Corporation / Council / Gram Panchayat) * · the portal’s list
⚠ EzDocs was not sure — check
✓ also on the branch's mail
from: the Index II (Index II.pdf) — “the Index II places it in Vasai other areas – outside municipal limits; likely a Gram Panchayat, con”
Hadd name *
⚠ EzDocs was not sure — check
✓ also on the branch's mail
from: the Index II (Index II.pdf) — “the Index II places it in Vasai other areas – outside municipal limits; likely a Gram Panchayat, con”
Road * · 50 max
⚠ from the sanction letter (Sanction_letter (22).pdf), p.1 — not the Index II — check
✓ also on the branch's mail
from: the sanction letter (Sanction_letter (22).pdf), p.1 — “NX Homes Road”
Landmark · 50 max
empty (optional)
from: optional
Block / Sector · 50 max
✓ read by EzDocs (document is in Marathi)
✓ also on the branch's mail
from: the sanction letter (Sanction_letter (22).pdf), p.1 — “YK Nagar”
Number type (SURVEY / GAT / CTS / PLOT / KHASRA …) * · the portal’s list
✓ read by EzDocs (document is in Marathi)
✓ also on the Index II (Index II.pdf)
✓ also on the branch's mail
from: the Index II (Index II.pdf)
Number * · 50 max
✓ read by EzDocs (document is in Marathi)
✓ also on the Index II (Index II.pdf)
from: the Index II (Index II.pdf)
Second number type · the portal’s list
✓ read by EzDocs (document is in Marathi)
✓ also on the Index II (Index II.pdf)
✓ also on the branch's mail
from: the Index II (Index II.pdf)
Second number · 50 max
⚠ the papers print more numbers than the portal's two boxes — also on them: 401303 (the sanction letter); 11th (the sanction letter); 1108
✓ also on the Index II (Index II.pdf)
from: the Index II (Index II.pdf)
Building (with wing) * · 50 max
✓ read by EzDocs (document is in Marathi)
✓ also on the sanction letter (Sanction_letter (22).pdf)
✓ also on the branch's mail
from: the Index II (Index II.pdf)
Floor * · 3 max
the portal gets “11”
✓ read by EzDocs (document is in Marathi)
✓ also on the sanction letter (Sanction_letter (22).pdf)
✓ also on the branch's mail
from: the Index II (Index II.pdf)
Flat / shop no * · 10 max
✓ read by EzDocs (document is in Marathi)
✓ also on the sanction letter (Sanction_letter (22).pdf)
✓ also on the branch's mail
from: the Index II (Index II.pdf)
Property type (Open / Building / Open + Building) * · the portal’s list
✓ read by EzDocs (document is in Marathi)
✓ also on the branch's mail
from: the Index II (Index II.pdf), p.1 — “इमारतीमधील सदनिका”
House type (Niwasi Sadanika / Shop / Gala …) · the portal’s list
✓ read by EzDocs (document is in Marathi)
from: the Index II (Index II.pdf), p.1 — “सदनिका”
Area * · 10 max
✓ read by EzDocs (document is in Marathi)
✓ also on the Index II (Index II.pdf)
✓ also on the branch's mail
from: the Index II (Index II.pdf)
Area unit (Sq.mt. / Sq.ft.) * · the portal’s list
✓ in the document
✓ also on the Index II (Index II.pdf)
✓ also on the branch's mail
from: the Index II (Index II.pdf)
Carpet or built-up · the portal’s list
✓ in the document
✓ also on the Index II (Index II.pdf)
✓ also on the branch's mail
from: the Index II (Index II.pdf)
Title deed held by the bank (Agreement to Sale / Sale Deed …) * · the portal’s list
✓ in the document
✓ also on the Index II (Index II.pdf)
✓ also on the branch's mail
from: the Index II (Index II.pdf)
Title deed no / year / SRO * · 250 max
✓ in the document
✓ also on the Index II (Index II.pdf)
✓ also on the branch's mail
from: the Index II (Index II.pdf)
PIN · 6 max
✓ read by EzDocs (document is in Marathi)
✓ also on the branch's mail
from: the sanction letter (Sanction_letter (22).pdf), p.1 — “401303”
Description — house style (the portal composes its own; this is ours for the record)
a change clears verification until someone verifies again
each runs in seconds; the page comes back with the result at the top

Start page

Date of Mortgage
—
empty — the portal will not take a blank
from: read off the MOTD when it lands; typed on the portal otherwise

Mortgagor page — party 1 (VIVEK RAMNIWAS GUPTA)

✗ The Index II (8) names a purchaser the case does not know: सौरभ रामनिवास गुप्ता — every owner is a mortgagor on the filing: a co-owner whose KYC never came, or the wrong person’s KYC on the case. Decide before the challan.
The home on the other papers — the Aadhaar’s stands on the Mortgagor page; a correspondence address on the letter need not match. One paper prints a different address — look once.
✓ the sanction letter (Sanction_letter (22).pdf): the same place, spelled differently — “FLAT NO.1108, 11TH FLOOR, C WING, POONAM VISTA, DONGRE, AGARWAL GLOBAL CITY, VIRAR WEST 401303, ., Virar, MAHARASHTRA, 401303, Palghar, Indi” (every name agrees; the PIN agrees; the flat agrees; the wing agrees)
✗ the Index II (Index II.pdf): a DIFFERENT address — decide — “प्लॉट नं: -, माळा नं: -, इमारतीचे नाव: रोशन पॅलेस, रुम नं. 16, ए विंग, अय्यप्पा मंदीर जवळ, पी. पी. मार्ग, विरार प, ब्लॉक नं: -, रोड नं: -, म” (wing C vs A)
✗ the Index II (Index II.pdf): a DIFFERENT address — decide — “प्लॉट नं: -, माळा नं: -, इमारतीचे नाव: रोशन पॅलेस, रुम नं. 16, ए विंग, अय्यप्पा मंदीर जवळ, पी. पी. मार्ग, विरार प, ब्लॉक नं: -, रोड नं: -, म” (wing C vs A)
The portal asks for the person’s home address — not yet read off the Aadhaar; the property address stands in below. Press Read the home address from the Aadhaar, or type it.
First name * · 50 max
✓ in the document
✓ also on the PAN card (Pan Card.pdf)
from: the PAN card (Pan Card.pdf), p.1 — “VIVEK RAMNIWAS GUPTA”
Middle name · 50 max
✓ in the document
✓ also on the PAN card (Pan Card.pdf)
from: the PAN card (Pan Card.pdf), p.1 — “VIVEK RAMNIWAS GUPTA”
Last name * · 50 max
✓ in the document
✓ also on the PAN card (Pan Card.pdf)
from: the PAN card (Pan Card.pdf), p.1 — “VIVEK RAMNIWAS GUPTA”
PAN * · 10 max
✓ in the document
✓ also on the PAN card (Pan Card.pdf)
from: the PAN card (Pan Card.pdf), p.1 — “DDXPG8638F”
Mobile * · 10 max
✓ in the document
✓ also on the sanction letter (Sanction_letter (22).pdf)
from: the sanction letter (Sanction_letter (22).pdf)
Birth date * · 10 max
✓ in the document
from: the PAN card
E-mail *
✓ in the document
✓ also on the sanction letter (Sanction_letter (22).pdf)
from: the sanction letter (Sanction_letter (22).pdf)
Building * · 250 max
⚠ from the sanction letter (Sanction_letter (22).pdf), p.1 — not the Aadhaar — check
✓ also on the sanction letter (Sanction_letter (22).pdf)
from: the sanction letter (Sanction_letter (22).pdf), p.1 — “C WING, POONAM VISTA”
Floor * · 250 max
⚠ from the sanction letter (Sanction_letter (22).pdf), p.1 — not the Aadhaar — check
from: the sanction letter (Sanction_letter (22).pdf), p.1 — “11TH FLOOR”
Flat / house no * · 250 max
⚠ from the sanction letter (Sanction_letter (22).pdf), p.1 — not the Aadhaar — check
✓ also on the sanction letter (Sanction_letter (22).pdf)
from: the sanction letter (Sanction_letter (22).pdf), p.1 — “FLAT NO.1108”
Road * · 250 max
⚠ from the sanction letter (Sanction_letter (22).pdf), p.1 — not the Aadhaar — check
from: the sanction letter (Sanction_letter (22).pdf), p.1 — “VIRAR WEST”
Area / sector · 250 max
⚠ from the sanction letter (Sanction_letter (22).pdf), p.1 — not the Aadhaar — check
from: the sanction letter (Sanction_letter (22).pdf), p.1 — “AGARWAL GLOBAL CITY”
PIN * · 6 max
⚠ from the sanction letter (Sanction_letter (22).pdf), p.1 — not the Aadhaar — check
✓ also on the sanction letter (Sanction_letter (22).pdf)
from: the sanction letter (Sanction_letter (22).pdf), p.1 — “401303”
Village / city * · 250 max
⚠ from the sanction letter (Sanction_letter (22).pdf), p.1 — not the Aadhaar — check
✓ also on the sanction letter (Sanction_letter (22).pdf)
from: the sanction letter (Sanction_letter (22).pdf), p.1 — “Virar”
District · 250 max
⚠ from the sanction letter (Sanction_letter (22).pdf), p.1 — not the Aadhaar — check
from: the sanction letter (Sanction_letter (22).pdf), p.1 — “Palghar”
State · 250 max
⚠ from the sanction letter (Sanction_letter (22).pdf), p.1 — not the Aadhaar — check
from: the sanction letter (Sanction_letter (22).pdf), p.1 — “MAHARASHTRA”

Mortgagor page — party 2 (SAURABH RAMNIWAS GUPTA)

The home on the other papers — the Aadhaar’s stands on the Mortgagor page; a correspondence address on the letter need not match. One paper prints a different address — look once.
✗ the sanction letter (Sanction_letter (22).pdf): a DIFFERENT address — decide — “FLAT NO.1108, 11TH FLOOR, C WING, POONAM VISTA, DONGRE, AGARWAL GLOBAL CITY, VIRAR WEST 401303, ., Virar, MAHARASHTRA, 401303, Palghar, Indi” (flat 16 vs 1108)
✓ the Index II (Index II.pdf): the same place, spelled differently — “प्लॉट नं: -, माळा नं: -, इमारतीचे नाव: रोशन पॅलेस, रुम नं. 16, ए विंग, अय्यप्पा मंदीर जवळ, पी. पी. मार्ग, विरार प, ब्लॉक नं: -, रोड नं: -, म” (every name agrees; the PIN agrees)
The portal asks for the person’s home address — not yet read off the Aadhaar; the property address stands in below. Press Read the home address from the Aadhaar, or type it.
First name * · 50 max
✓ in the document
from: the PAN card
Middle name · 50 max
✓ in the document
from: the PAN card
Last name * · 50 max
✓ in the document
from: the PAN card
PAN * · 10 max
✓ in the document
✓ also on the PAN card (co pan saurab.png)
from: the PAN card (co pan saurab.png), p.1 — “DNIPG2547E”
Mobile * · 10 max
empty — the portal will not take a blank
from: the sanction letter / KFS, or the branch's mail
Birth date * · 10 max
✓ in the document
from: the PAN card
E-mail *
⚠ person 1's e-mail stands in — no paper prints this person's own; check
from: the sanction letter / KFS, or the branch's mail
Building * · 250 max
the portal gets “ROSHANA PALESA”
⚠ from the Index II (Index II.pdf), p.1 — not the Aadhaar — check
✓ also on the Index II (Index II.pdf)
from: the Index II (Index II.pdf), p.1 — “इमारतीचे नाव: रोशन पॅलेस”
Floor * · 250 max
⚠ where the borrower LIVES, from the sanction letter (Sanction_letter (22).pdf) — check it against the Aadhaar
from: the Aadhaar
Flat / house no * · 250 max
⚠ from the Index II (Index II.pdf), p.1 — not the Aadhaar — check
✓ also on the Index II (Index II.pdf)
from: the Index II (Index II.pdf), p.1 — “रुम नं. 16”
Road * · 250 max
the portal gets “AYYAPPAA MANDIRA JAVALA, PI. PI. MAARGA, VIRAARA PA”
⚠ from the Index II (Index II.pdf), p.1 — not the Aadhaar — check
from: the Index II (Index II.pdf), p.1 — “अय्यप्पा मंदीर जवळ, पी. पी. मार्ग, विरार प”
Area / sector · 250 max
⚠ where the borrower LIVES, from the sanction letter (Sanction_letter (22).pdf) — check it against the Aadhaar
from: the Aadhaar
PIN * · 6 max
⚠ from the Index II (Index II.pdf), p.1 — not the Aadhaar — check
✓ also on the Index II (Index II.pdf)
from: the Index II (Index II.pdf), p.1 — “पिन कोड:-401303”
Village / city * · 250 max
⚠ where the borrower LIVES, from the sanction letter (Sanction_letter (22).pdf) — check it against the Aadhaar
from: the Aadhaar
District · 250 max
the portal gets “THAANE”
⚠ from the Index II (Index II.pdf), p.1 — not the Aadhaar — check
from: the Index II (Index II.pdf), p.1 — “महाराष्ट्र, ठाणे”
State · 250 max
the portal gets “MAHAARAASHTRA”
⚠ from the Index II (Index II.pdf), p.1 — not the Aadhaar — check
from: the Index II (Index II.pdf), p.1 — “महाराष्ट्र”

Mortgagor page — party 3 (SEEMA RAMNIWAS GUPTA)

The home on the other papers — the Aadhaar’s stands on the Mortgagor page; a correspondence address on the letter need not match. One paper prints a different address — look once.
✗ the sanction letter (Sanction_letter (22).pdf): a DIFFERENT address — decide — “FLAT NO.1108, 11TH FLOOR, C WING, POONAM VISTA, DONGRE, AGARWAL GLOBAL CITY, VIRAR WEST 401303, ., Virar, MAHARASHTRA, 401303, Palghar, Indi” (flat 16 vs 1108)
✓ the Index II (Index II.pdf): the same place, spelled differently — “प्लॉट नं: -, माळा नं: -, इमारतीचे नाव: रोशन पॅलेस, रुम नं. 16, ए विंग, अय्यप्पा मंदीर जवळ, पी. पी. मार्ग, विरार प, ब्लॉक नं: -, रोड नं: -, म” (every name agrees; the PIN agrees)
✓ the Index II (Index II.pdf): the same place, spelled differently — “प्लॉट नं: -, माळा नं: -, इमारतीचे नाव: रोशन पॅलेस, रुम नं. 16, ए विंग, अय्यप्पा मंदीर जवळ, पी. पी. मार्ग, विरार प, ब्लॉक नं: -, रोड नं: -, म” (every name agrees; the PIN agrees)
The portal asks for the person’s home address — not yet read off the Aadhaar; the property address stands in below. Press Read the home address from the Aadhaar, or type it.
First name * · 50 max
✓ in the document
from: the PAN card
Middle name · 50 max
✓ in the document
from: the PAN card
Last name * · 50 max
✓ in the document
from: the PAN card
PAN * · 10 max
⚠ from the Index II (Index II.pdf), p.1 — not the KYC card — check
✓ also on the Index II (Index II.pdf)
from: the Index II (Index II.pdf), p.1 — “पॅन नं:-AYNPG1311P”
Mobile * · 10 max
empty — the portal will not take a blank
from: the sanction letter / KFS, or the branch's mail
Birth date * · 10 max
✓ in the document
from: the PAN card
E-mail *
⚠ person 1's e-mail stands in — no paper prints this person's own; check
from: the sanction letter / KFS, or the branch's mail
Building * · 250 max
the portal gets “ROSHANA PALESA”
⚠ from the Index II (Index II.pdf), p.1 — not the Aadhaar — check
✓ also on the Index II (Index II.pdf)
from: the Index II (Index II.pdf), p.1 — “इमारतीचे नाव: रोशन पॅलेस”
Floor * · 250 max
⚠ where the borrower LIVES, from the sanction letter (Sanction_letter (22).pdf) — check it against the Aadhaar
from: the Aadhaar
Flat / house no * · 250 max
⚠ from the Index II (Index II.pdf), p.1 — not the Aadhaar — check
✓ also on the Index II (Index II.pdf)
from: the Index II (Index II.pdf), p.1 — “रुम नं. 16”
Road * · 250 max
the portal gets “AYYAPPAA MANDIRA JAVALA, PI. PI. MAARGA, VIRAARA PA”
⚠ from the Index II (Index II.pdf), p.1 — not the Aadhaar — check
from: the Index II (Index II.pdf), p.1 — “अय्यप्पा मंदीर जवळ, पी. पी. मार्ग, विरार प”
Area / sector · 250 max
⚠ where the borrower LIVES, from the sanction letter (Sanction_letter (22).pdf) — check it against the Aadhaar
from: the Aadhaar
PIN * · 6 max
⚠ from the Index II (Index II.pdf), p.1 — not the Aadhaar — check
✓ also on the Index II (Index II.pdf)
from: the Index II (Index II.pdf), p.1 — “पिन कोड:-401303”
Village / city * · 250 max
⚠ where the borrower LIVES, from the sanction letter (Sanction_letter (22).pdf) — check it against the Aadhaar
from: the Aadhaar
District · 250 max
the portal gets “THAANE”
⚠ from the Index II (Index II.pdf), p.1 — not the Aadhaar — check
from: the Index II (Index II.pdf), p.1 — “महाराष्ट्र, ठाणे”
State · 250 max
the portal gets “MAHAARAASHTRA”
⚠ from the Index II (Index II.pdf), p.1 — not the Aadhaar — check
from: the Index II (Index II.pdf), p.1 — “महाराष्ट्र”
reads every Aadhaar on the case; takes a few seconds

Mortgagee page (the bank)

Loan (Rs.) *
5430851
✓ in the document
from: the sanction letter's total incl. insurance — the same figure as the challan's consideration
Interest Rate (%) *
8.50
✓ in the document
from: the letter prints 13.15% - 4.65% = 8.5% — the loan's rate is 8.5%
Only the two boxes above are typed on this page. The bank’s own boxes (MICR, TAN, the authorised person, the office address) are prefilled and locked by the portal from the bank’s login profile (seen on the ICICI and PNB logins); the co-pilot never types them — it reads them back, EzDocs checks them against the case, and an empty locked box (the profile’s PAN, say) is said in amber: that is fixed under the portal’s Account, not here. Saved on this bank: MICR 400263002, TAN DELP08792A — the co-pilot checks the open login against these; the signer HITENDRA TAKTHANI (read off the portal at the first filing, or typed once on Calculator → E-filing details).

Payment page

GRN
MH011368831202627E
✓ in the document
Paid amount
31300.00
✓ in the document
Challan date
05/10/2026
✓ in the document
DHC PRN
1026076610468
✓ in the document
one reading over every paper and the mail: e-mail, mobile, floor, road, PIN … fills only what is empty; never changes a filled box; says where each came from
Last gathered 05 Oct 12:16: filled 14 box(es) from Index II.pdf, Sanction_letter (22).pdf, co pan saurab.png, Pan Card.pdf; still empty: home post office (person 1), email (person 2), mobile (person 2), home floor (person 2), home area (person 2), home village city (person 2), home post office (person 2), email (person 3) · 12 box(es) confirmed by a second paper
⚠ the Index II does not print house type (taken from the Index II) — the Index II’s own boxes were kept; check these against that paper.
⚠ found email = “vmadeshiya3@gmail.com” in the branch's mail but could not tell WHOSE it is (no name printed beside it and the case has more than one person) — type it on the right person.
⚠ found mobile = “9130900465” in the branch's mail but could not tell WHOSE it is (no name printed beside it and the case has more than one person) — type it on the right person.
⚠ found building = “Poonam Vista, C Wing” in the branch's mail but could not tell WHOSE it is (no name printed beside it and the case has more than one person) — type it on the right person.
⚠ found floor = “11th” in the branch's mail but could not tell WHOSE it is (no name printed beside it and the case has more than one person) — type it on the right person.
The challan — paid; what it carried

Challan (GRAS) — what the form asks

13 of 13 boxes on the case; 2 highlighted
Open the challan page — the GRAS form exactly as it will be typed, every box correctable beside the paper. The co-pilot types these on GRAS; the property boxes below feed box 1 / box 2 / city. The challan is paid — GRN MH011368831202627E.
District *
Palghar
✓ on the case
from: the Index II (Index II.pdf)
SRO office
VSI5_VASAI NO 5 JOINT SUB REGISTRAR
✓ on the case
from: this case's own challan, else the office this desk used last in the district — any office of the district is valid
Article *
6(1) Deposit of Title Deed
✓ on the case
from: always, for an NOI
Stamp duty (0.3%) *
16292.55
✓ on the case
from: the fee engine, on the loan amount incl. insurance
Registration fee (0.5%, max 15,000) *
15000.00
✓ on the case
from: the fee engine
Payer (first party) *
VIVEK RAMNIWAS GUPTA
✓ on the case
from: the PAN card, else the sanction letter's applicant, else the case's applicant name
Payer PAN *
DDXPG8638F
✓ on the case
✓ also on the PAN card (Pan Card.pdf)
from: the PAN card (Pan Card.pdf), p.1 — “DDXPG8638F”
Payer mobile (the receipt SMS goes here) *
9130900465
✓ on the case
✓ also on the sanction letter (Sanction_letter (22).pdf)
from: the sanction letter (Sanction_letter (22).pdf)
Second party (the bank) *
PNB Housing Finance Ltd (PHFL Home Loans)
✓ on the case
from: the case's bank
Second party PAN *
AAACP3682N
✓ on the case
from: typed once on Calculator → E-filing details, or read off a paid challan
Property box 1 (flat, floor, building, survey / gat / CTS) *
ROOM NO 1108 11TH FLOOR C WING POONAM VISTA SURVEY NO 5 5E OLD 5A HISSA NO 6 14
⚠ the papers print more numbers than the portal's two boxes — also on them: 401303 (the sanction letter); 11th (the sanction letter); 1108
from: the Index II (4) — as typed on GRAS
Property box 2 (the road) *
YK NAGAR NX HOMES ROAD DONGRE VIRAR WEST THANE
⚠ from the sanction letter (Sanction_letter (22).pdf), p.1 — not the Index II — check
from: the Index II (4) — as typed on GRAS
City / village *
PALGHAR
✓ on the case
from: the Index II (Index II.pdf)
PIN
401303
✓ on the case
from: the sanction letter (Sanction_letter (22).pdf), p.1 — “401303”
Consideration (the loan amount) *
5430851
✓ on the case
from: the sanction letter's total incl. insurance
Paper:
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