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You how trustworthy is the tackle full industry in dealing with conflicting issues in the industry now we talk to industry experts converging at the world Tactful conference right here in Kuala Lumpur to find out more yes I think the issue is not about not trusting the issue is about you know understanding the product the concept if people understand that tactful is all about third party managing your money for your own interest compared to insurance where you pay for something and that money belongs to the insurance company yeah then you will see that is greater value in Turkish food because whatever you give to the insurance to the Tanaka company C belongs to you yeah compared to insurance whatever you give to the insurance company belongs to the issuer's company yeah so if people understand that yeah, so the issue is not about trust the issue is about understanding of the couple and how do we make people understand if we can make people understand the basic differences then I think the couple can go to the next level I think let's ask another way what's the value proposition of the careful and how do the agents and the people involved in selling articulate that value proposition in other words what does the capital really represent in terms of values, so first thing is that the careful is about transparency now when we talk about transparency of what the transparency of terms conditions the charging structure and what are the benefits to the consumer when they buy a particular product or a solution into Other, but that's number one number two it's about surplus risk sharing at the end of the day the careful is based on principles of mutuality and has some similarities with co-operative insurance they're not identical the careful is different in other respects, but it is about that the way the monies are invested into Others are somewhat similar — what isn't is called in the United States and Europe which is socially responsible investing SR I, so I think that if the value proposition of the CAF all is well-defined and communicated to the consumers then I think Trust is built up in other words if the consumer has certain expectations and is buying a product for a certain need and if that need is fulfilled, and they are satisfied with the solution at an economical price then I think you will have the trust and integrity of the careful building up and thereby spreading beyond the Muslim community to other groups, but that is what's important there are various issues first as I mentioned beforehand grows especially on the general side which is PNC the share of tactful compared to conventionally still very small it is better on the family side which is life and health where especially in Malaysia also Indonesia tactful has made a lot of inroads the other question is how can Tucker foo grow in other markets besides of Southeast Asia and the Middle East such as Africa and even Europe and another issue which is profitability, so the customers expect...
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