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once again everybody and um all those who are celebrating a new year today happy New Year to all of you lets begin todays session todays session we will be talking mostly about I mean well Begin by talking about the Forex part uh when you go to the US or whichever country you go to you will be required to pay your tution fees and SP send money from India towards your living expenses I mean either whether youre from a loan or youre paying from your parents are paying so we thought I thought well have a session on Forex and uh to help me with the session we have uh yeah Anil tiari who is from this company called unim money they are authorized Forex dealers with offices all over India so an basically is here to answer questions with Anil I think we also have Mr J Shankar who just joined Jo the session and uh so both Anil and J Shankar are from unim and U I think they will be in a better position to answer questions related to your queries about Forex about sending money paying fees