00304nam a2200121Ia 45000030006000000080041000060400015000471000023000622450036000852600032001215460012001530050017001650STCL150530s9999    xx            000 0 und d  aSTCLcSTCL  aRam Gopal Agarwala  aInsurance Times Vol 25 Oct 2005  bSushil kumar Agarwalac2005  aEnglish20220125165713.0