[music] Good morning everyone. What a fascinating word habit is. Can you just play with me here? When you remove the first letter from the word habit, what remains? A bit remains. What happens when you remove the second letter? Bit remains. And what happens when you remove the third one? It remains. That's how the habits are. It sticks. If it's a useful habit or a not so useful habit, if it's a useful habit, your life is almost like a smooth ride on the highway. But my engagement with you today is all about ...