<p style="text-align:start; text-indent:0px; -webkit-text-stroke-width:0px"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:400"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="text-decoration:none"><span style="caret-color:#222222"><span style="color:#222222"><span style="font-family:Arial, Helvetica, sans-serif">As discussed, below mentioned are the pointers for the&nbsp;AVP&nbsp;role :&nbsp;Products</span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="text-align:start; text-indent:0px; -webkit-text-stroke-width:0px"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:400"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="text-decoration:none"><span style="caret-color:#222222"><span style="color:#222222"><span style="font-family:Arial, Helvetica, sans-serif">Location : Prabhadevi</span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="text-align:start; text-indent:0px; -webkit-text-stroke-width:0px"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:400"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="text-decoration:none"><span style="caret-color:#222222"><span style="color:#222222"><span style="font-family:Arial, Helvetica, sans-serif">Budget 33l &ndash; 35l</span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="text-align:start; text-indent:0px; -webkit-text-stroke-width:0px"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:400"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="text-decoration:none"><span style="caret-color:#222222"><span style="color:#222222"><span style="font-family:Arial, Helvetica, sans-serif">&nbsp;</span></span></span></span></span></span></span></span></span></span></span></span></span></p> <p style="text-align:start; text-indent:0px; -webkit-text-stroke-width:0px"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:400"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="text-decoration:none"><span style="caret-color:#222222"><span style="color:#222222"><span style="font-family:Arial, Helvetica, sans-serif">&nbsp;</span></span></span></span></span></span></span></span></span></span></span></span></span></p> <table style="font-style:normal; font-variant-caps:normal; font-weight:400; letter-spacing:normal; orphans:auto; text-align:start; text-transform:none; white-space:normal; widows:auto; word-spacing:0px; -webkit-text-stroke-width:0px; text-decoration:none; caret-color:#222222; color:#222222; font-family:Arial, Helvetica, sans-serif; margin-left:1px; background:white; border-collapse:collapse; border:1pt solid black"> <tbody> <tr> <td style="border:1pt solid black; background:#d9d9d9; width:440pt; padding:0cm 5.4pt" valign="top" width="587"> <p><b><span style="color:black">Job Purpose</span></b></p> </td> </tr> <tr> <td style="background:white; width:440pt; border-width:medium 1pt 1pt; border-style:none solid solid; border-color:currentcolor black black; padding:0cm 5.4pt" valign="top" width="587"> <p><span style="color:black">It&rsquo;s a pivotal leadership role in driving strategic initiatives, ensuring operational excellence, and supporting business growth for the company. This position is responsible for aligning departmental goals with the company&#39;s overall vision, overseeing cross-functional teams, and managing high-impact projects to enhance customer experience, regulatory compliance, and profitability.</span></p>

		<p>&nbsp;</p>

		<p><span style="color:black">As a key member of the senior management team, the&nbsp;AVP&nbsp;provides strategic direction, monitors performance metrics, and fosters a culture of innovation and accountability. The role demands a strong understanding of the Indian life insurance market, regulatory landscape, and emerging industry trends to effectively steer the organization toward sustainable growth.</span></p>
		</td>
	</tr>
</tbody>

</table> <p style="text-align:start; text-indent:0px; -webkit-text-stroke-width:0px"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:400"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="text-decoration:none"><span style="caret-color:#222222"><span style="color:#222222"><span style="font-family:Arial, Helvetica, sans-serif"><b>&nbsp;</b></span></span></span></span></span></span></span></span></span></span></span></span></span></p> <table style="font-style:normal; font-variant-caps:normal; font-weight:400; letter-spacing:normal; orphans:auto; text-align:start; text-transform:none; white-space:normal; widows:auto; word-spacing:0px; -webkit-text-stroke-width:0px; text-decoration:none; caret-color:#222222; color:#222222; font-family:Arial, Helvetica, sans-serif; margin-left:1px; border-collapse:collapse; border:1pt solid black"> <thead> <tr> <td style="border:1pt solid black; background:#d9d9d9; width:439.5pt; padding:0cm 5.4pt" valign="top" width="586"> <p><b><span style="color:black">Key Responsibilities&nbsp;</span></b></p> </td> </tr> </thead> <tbody> <tr style="height:8.45pt"> <td style="width:439.5pt; border-width:medium 1pt 1pt; border-style:none solid solid; border-color:currentcolor black black; padding:0cm 5.4pt; height:8.45pt" valign="top" width="586"> <p><b>1.&nbsp;Product&nbsp;Ideation &amp; Market Research</b></p>

		<ul type="disc">
			<li style="margin-left:15px">Lead end-to-end&nbsp;product&nbsp;conceptualization based on market trends, customer needs, competitor analysis, and regulatory outlook.</li>
			<li style="margin-left:15px">Conduct primary and secondary research to identify gaps in the existing&nbsp;product&nbsp;portfolio and assess demand for new offerings</li>
			<li style="margin-left:15px">Work closely with sales (including banca, broking, web aggregators and individual agent), marketing, training, actuarial, underwriting and analytics teams to identify opportunities for differentiated and customer-centric&nbsp;products.</li>
			<li style="margin-left:15px">Evaluate&nbsp;product&nbsp;ideas i.e. profitability, persistency and claims outlook.</li>
			<li style="margin-left:15px">Bring innovation in&nbsp;Product&nbsp;Development i.e. Industry First or Company first design to bring disruption in the market and gain mind share of Intermediary, Partner and Agents</li>
		</ul>

		<div align="center" style="text-align:center">
		<hr align="center" size="1" width="100%" /></div>

		<p><b>2.&nbsp;Product&nbsp;Design &amp; Pricing Strategy</b></p>

		<ul type="disc">
			<li style="margin-left:15px">Define&nbsp;product&nbsp;structure, including benefits, riders, premium payment terms, sum assured options, and bonus mechanisms (for participating&nbsp;products).</li>
			<li style="margin-left:15px">Collaborate with actuarial teams to design robust pricing strategies aligned with IRDAI&rsquo;s guidelines and company&rsquo;s risk appetite.</li>
			<li style="margin-left:15px">Ensure&nbsp;product&nbsp;design supports long-term view</li>
			<li style="margin-left:15px">Oversee pricing frameworks for different channels to see Margins/ OPAT</li>
		</ul>

		<div align="center" style="text-align:center">
		<hr align="center" size="1" width="100%" /></div>

		<p><b>3. Internal Approvals &amp; Governance</b></p>

		<ul type="disc">
			<li style="margin-left:15px">Present&nbsp;product&nbsp;proposals and financial impact assessments to internal stakeholders including:
			<ul type="circle">
				<li style="margin-left:15px">Product&nbsp;Committee</li>
				<li style="margin-left:15px">Risk &amp; Compliance Team</li>
				<li style="margin-left:15px">CFO &amp; CEO/Executive Management</li>
			</ul>
			</li>
			<li style="margin-left:15px">Align with operations, underwriting, claims, legal, IT, and servicing teams to ensure readiness for&nbsp;product&nbsp;implementation.</li>
			<li style="margin-left:15px">Manage approval workflows, meeting documentation standards set by the company&rsquo;s&nbsp;Product&nbsp;Governance Framework.</li>
		</ul>

		<div align="center" style="text-align:center">
		<hr align="center" size="1" width="100%" /></div>

		<p><b>4. Regulatory Filing &ndash; IRDAI Coordination</b></p>

		<ul type="disc">
			<li style="margin-left:15px">Prepare comprehensive&nbsp;product&nbsp;filing documents including:
			<ul type="circle">
				<li style="margin-left:15px">Sales Literature</li>
				<li style="margin-left:15px">Policy Document</li>
				<li style="margin-left:15px">Benefit Illustration Format</li>
				<li style="margin-left:15px">Proposal Form</li>
				<li style="margin-left:15px">Customer Information Sheet etc.</li>
			</ul>
			</li>
			<li style="margin-left:15px">Ensure that the&nbsp;product&nbsp;complies with IRDAI (Life Insurance) Regulations, 2024, and subsequent circulars/guidelines.</li>
			<li style="margin-left:15px">Liaise with IRDAI throughout the filing process &mdash; respond to queries, submit clarifications, and ensure prompt turnaround.</li>
			<li style="margin-left:15px">Maintain records of regulatory communication and track approval timelines to ensure on-time&nbsp;product&nbsp;launches.</li>
		</ul>

		<div align="center" style="text-align:center">
		<hr align="center" size="1" width="100%" /></div>

		<p><b>5. Pre-Launch Preparation &amp; Testing</b></p>

		<ul type="disc">
			<li style="margin-left:15px">Develop training content, FAQs, brochures, and sales tools for internal and external distribution teams.</li>
			<li style="margin-left:15px">Coordinate User Acceptance Testing (UAT) for system readiness</li>
			<li style="margin-left:15px">Ensure integration with digital platforms and APIs for smooth onboarding and servicing workflows.</li>
			<li style="margin-left:15px">Define and implement&nbsp;Product&nbsp;Launch Calendar, in sync with marketing, sales, and training departments.</li>
			<li style="margin-left:15px">Conduct PMC and obtain necessary approvals</li>
		</ul>

		<div align="center" style="text-align:center">
		<hr align="center" size="1" width="100%" /></div>

		<p><b>6. Go-to-Market strategies</b></p>

		<ul type="disc">
			<li style="margin-left:15px">Effective go to market planning with Sales, Marketing, Training and other stakeholders</li>
			<li style="margin-left:15px">Collaborate with bancassurance, broking, agency, direct sales and digital teams to execute scalable sales strategies.</li>
			<li style="margin-left:15px">Drive channel performance via analytic input and benchmarking</li>
		</ul>

		<div align="center" style="text-align:center">
		<hr align="center" size="1" width="100%" /></div>

		<p><b>7.&nbsp;Product&nbsp;Launch &amp; Monitoring</b></p>

		<ul type="disc">
			<li style="margin-left:15px">Drive multi-channel&nbsp;product&nbsp;roll-out through agency, bancassurance, digital, and third-party partnerships.</li>
			<li style="margin-left:15px">Monitor&nbsp;product&nbsp;performance using metrics such as:
			<ul type="circle">
				<li style="margin-left:15px">PPT, PT, ATS, Avg. SA, Plan options</li>
				<li style="margin-left:15px">Age, Gender, Smoking status etc.</li>
				<li style="margin-left:15px">Rider attachments, if any</li>
				<li style="margin-left:15px">Persistency</li>
			</ul>
			</li>
			<li style="margin-left:15px">Conduct Post-Launch Review within 30 to 90 days to assess&nbsp;product&nbsp;success.</li>
			<li style="margin-left:15px">Recommend tweaks or future&nbsp;product&nbsp;variants based on actual data and market feedback.</li>
		</ul>

		<div align="center" style="text-align:center">
		<hr align="center" size="1" width="100%" /></div>

		<p><b>8. Regulatory &amp; Risk Management Post-Launch</b></p>

		<ul type="disc">
			<li style="margin-left:15px">Continuously track changes in IRDAI regulations and align future filings accordingly.</li>
			<li style="margin-left:15px">Ensure&nbsp;product&nbsp;compliance audits and internal risk assessments are performed periodically.</li>
			<li style="margin-left:15px">Coordinate with legal/compliance for customer grievances or regulatory escalations related to the&nbsp;product.</li>
		</ul>

		<div align="center" style="text-align:center">
		<hr align="center" size="1" width="100%" /></div>

		<p><b>9. Stakeholder Reporting</b></p>

		<ul type="disc">
			<li style="margin-left:15px">Present insights, business plans, and performance metrics to senior leadership and board.</li>
			<li style="margin-left:15px">Strong market intelligence and understanding of competition landscape and share valuable insight to plan strategies</li>
		</ul>

		<div align="center" style="text-align:center">
		<hr align="center" size="1" width="100%" /></div>

		<p><b>10. Team Leadership &amp; Stakeholder Engagement</b></p>

		<ul type="disc">
			<li style="margin-left:15px">Lead a team of&nbsp;product&nbsp;managers, Mentor, supervise and coach the team. Provide for on the job as well as classroom training for skill enhancement and ensure periodic work rotation.</li>
			<li style="margin-left:15px">Manage relationships with internal stakeholder for constant process improvements.</li>
		</ul>
		</td>
	</tr>
</tbody>

</table> <p style="text-align:start; text-indent:0px; -webkit-text-stroke-width:0px"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:400"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="text-decoration:none"><span style="caret-color:#222222"><span style="color:#222222"><span style="font-family:Arial, Helvetica, sans-serif">.</span></span></span></span></span></span></span></span></span></span></span></span></span></p> <table style="font-style:normal; font-variant-caps:normal; font-weight:400; letter-spacing:normal; orphans:auto; text-align:start; text-transform:none; white-space:normal; widows:auto; word-spacing:0px; -webkit-text-stroke-width:0px; text-decoration:none; caret-color:#222222; color:#222222; font-family:Arial, Helvetica, sans-serif; width:444.75pt; border-collapse:collapse; border:1pt solid black" width="593"> <thead> <tr> <td style="width:0.75pt; padding:0cm" width="1"> <p>&nbsp;</p> </td> <td colspan="5" style="background:#d9d9d9; width:444.45pt; border-width:1pt 1pt medium; border-style:solid solid none; border-color:black black currentcolor; padding:0cm 5.4pt" valign="top" width="593"> <p><b><span style="color:black">Engagement Frequency with Stakeholders</span></b></p> </td> </tr> </thead> <tbody> <tr style="height:13.55pt"> <td style="width:0.75pt; border-width:medium medium 1pt; border-style:none none solid; border-color:currentcolor currentcolor black; padding:0cm; height:13.55pt" width="1"> <p>&nbsp;</p> </td> <td colspan="2" style="border:1pt solid black; background:#d9d9d9; width:150pt; padding:0cm 5.4pt; height:13.55pt" valign="top" width="200"> <p><b><span style="color:black">Internal</span></b></p> </td> <td colspan="2" style="background:#d9d9d9; width:121.8pt; border-width:1pt 1pt 1pt medium; border-style:solid solid solid none; border-color:black black black currentcolor; padding:0cm 5.4pt; height:13.55pt" valign="top" width="162"> <p><b><span style="color:black">Frequency</span></b></p> </td> <td style="background:#d9d9d9; width:172.65pt; border-width:1pt 1pt 1pt medium; border-style:solid solid solid none; border-color:black black black currentcolor; padding:0cm 5.4pt; height:13.55pt" valign="top" width="230"> <p><b><span style="color:black">Nature</span></b></p> </td> </tr> <tr style="height:52.6pt"> <td colspan="2" style="width:150pt; border-width:medium 1pt 1pt; border-style:none solid solid; border-color:currentcolor black black; padding:0cm 5.4pt; height:52.6pt" valign="top" width="200"> <p>All Functions</p>

		<p>&nbsp;</p>

		<p>&nbsp;</p>

		<p>&nbsp;</p>

		<p>Marketing &amp; Communications</p>

		<p>&nbsp;</p>

		<p>&nbsp;</p>

		<p>Sales/ Training</p>
		</td>
		<td colspan="2" style="width:121.8pt; border-width:medium 1pt 1pt medium; border-style:none solid solid none; border-color:currentcolor black black currentcolor; padding:0cm 5.4pt; height:52.6pt" valign="top" width="162">
		<p>Regular</p>

		<p>&nbsp;</p>

		<p>&nbsp;</p>

		<p>&nbsp;</p>

		<p>Ongoing</p>

		<p>&nbsp;</p>

		<p>&nbsp;</p>

		<p>&nbsp;</p>

		<p>Ongoing</p>
		</td>
		<td colspan="2" style="width:173.05pt; border-width:medium 1pt 1pt medium; border-style:none solid solid none; border-color:currentcolor black black currentcolor; padding:0cm 5.4pt; height:52.6pt" valign="top" width="231">
		<p>Product&nbsp;Working Group responsible for implementation of&nbsp;productinitiatives.</p>

		<p>&nbsp;</p>

		<p>Effective go to market communication with sales, marketing and training for launch readiness</p>

		<p>Marketing Content, Sales Pitches and Marketing Material etc.</p>
		</td>
	</tr>
	<tr>
		<td style="width:0.75pt; padding:0cm" width="1">
		<p>&nbsp;</p>
		</td>
		<td colspan="2" style="background:#d9d9d9; width:150pt; border-width:medium 1pt 1pt; border-style:none solid solid; border-color:currentcolor black black; padding:0cm 5.4pt" valign="top" width="200">
		<p><b><span style="color:black">External</span></b></p>
		</td>
		<td colspan="2" style="background:#d9d9d9; width:121.8pt; border-width:medium 1pt 1pt medium; border-style:none solid solid none; border-color:currentcolor black black currentcolor; padding:0cm 5.4pt" valign="top" width="162">
		<p><b><span style="color:black">Frequency</span></b></p>
		</td>
		<td style="background:#d9d9d9; width:172.65pt; border-width:medium 1pt 1pt medium; border-style:none solid solid none; border-color:currentcolor black black currentcolor; padding:0cm 5.4pt" valign="top" width="230">
		<p><b><span style="color:black">Nature</span></b></p>
		</td>
	</tr>
	<tr style="height:29.2pt">
		<td style="width:0.75pt; padding:0cm; height:29.2pt" width="1">
		<p>&nbsp;</p>
		</td>
		<td colspan="2" style="width:150pt; border-width:medium 1pt 1pt; border-style:none solid solid; border-color:currentcolor black black; padding:0cm 5.4pt; height:29.2pt" valign="top" width="200">
		<p>Distributors/ Agents&nbsp;&nbsp;</p>
		</td>
		<td colspan="2" style="width:121.8pt; border-width:medium 1pt 1pt medium; border-style:none solid solid none; border-color:currentcolor black black currentcolor; padding:0cm 5.4pt; height:29.2pt" valign="top" width="162">
		<p>Regular</p>
		</td>
		<td style="width:172.65pt; border-width:medium 1pt 1pt medium; border-style:none solid solid none; border-color:currentcolor black black currentcolor; padding:0cm 5.4pt; height:29.2pt" valign="top" width="230">
		<p>For&nbsp;product&nbsp;suggestions / feedback / identify white space for new business opportunities</p>
		</td>
	</tr>
	<tr style="height:30.8pt">
		<td style="width:0.75pt; padding:0cm; height:30.8pt" width="1">
		<p>&nbsp;</p>
		</td>
		<td colspan="2" style="width:150pt; border-width:medium 1pt 1pt; border-style:none solid solid; border-color:currentcolor black black; padding:0cm 5.4pt; height:30.8pt" valign="top" width="200">
		<p>Peer Reviews / Auditors</p>

		<p>&nbsp;</p>
		</td>
		<td colspan="2" style="width:121.8pt; border-width:medium 1pt 1pt medium; border-style:none solid solid none; border-color:currentcolor black black currentcolor; padding:0cm 5.4pt; height:30.8pt" valign="top" width="162">
		<p>Product&nbsp;Initiative</p>
		</td>
		<td style="width:172.65pt; border-width:medium 1pt 1pt medium; border-style:none solid solid none; border-color:currentcolor black black currentcolor; padding:0cm 5.4pt; height:30.8pt" valign="top" width="230">
		<p>Conduct peer review, share information &amp; respond to queries</p>
		</td>
	</tr>
	<tr>
		<td style="width:0.75pt; padding:0cm" width="1">&nbsp;</td>
		<td style="width:149.25pt; padding:0cm" width="199">&nbsp;</td>
		<td style="width:0.75pt; padding:0cm" width="1">&nbsp;</td>
		<td style="width:121.5pt; padding:0cm" width="162">&nbsp;</td>
		<td style="width:0.75pt; padding:0cm" width="1">&nbsp;</td>
		<td style="width:172.5pt; padding:0cm" width="230">&nbsp;</td>
	</tr>
</tbody>

</table> <p style="text-align:start; text-indent:0px; -webkit-text-stroke-width:0px"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:400"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="text-decoration:none"><span style="caret-color:#222222"><span style="color:#222222"><span style="font-family:Arial, Helvetica, sans-serif">&nbsp;</span></span></span></span></span></span></span></span></span></span></span></span></span></p> <table style="font-style:normal; font-variant-caps:normal; font-weight:400; letter-spacing:normal; orphans:auto; text-align:start; text-transform:none; white-space:normal; widows:auto; word-spacing:0px; -webkit-text-stroke-width:0px; text-decoration:none; caret-color:#222222; color:#222222; font-family:Arial, Helvetica, sans-serif; width:446.25pt; border-collapse:collapse; border:1pt solid black" width="595"> <tbody> <tr style="break-inside:avoid"> <td style="border:1pt solid black; background:silver; width:446.55pt; padding:0cm 5.75pt" valign="top" width="595"> <p><b><span style="color:black">Qualifications &amp; Experience</span></b></p> </td> </tr> <tr style="height:1cm"> <td style="width:446.55pt; border-width:medium 1pt 1pt; border-style:none solid solid; border-color:currentcolor black black; padding:0cm 5.75pt; height:1cm" valign="top" width="595"> <ul type="disc"> <li style="margin-left:15px">10 to 15 years of work experience in life insurance under&nbsp;Product&nbsp;development, Pricing, Marketing, Training or Distribution with proven leadership in managing cross-functional teams</li> <li style="margin-left:15px">In-depth understanding of IRDAI norms, insurance economics, and market dynamics</li> <li style="margin-left:15px">Strong analytical and communication skills, comfort with data, digital innovation, and regulatory landscapes</li> <li style="margin-left:15px">MBA in Finance/ Sales &amp; Marketing or Actuarial Science or Certification in Insurance</li> </ul> </td> </tr> <tr style="break-inside:avoid"> <td style="background:silver; width:446.55pt; border-width:medium 1pt 1pt; border-style:none solid solid; border-color:currentcolor black black; padding:0cm 5.75pt" valign="top" width="595"> <p><b><span style="color:black">Manpower (depending on scope of work)</span></b></p> </td> </tr> </tbody> </table> <p style="text-align:start; text-indent:0px; -webkit-text-stroke-width:0px"><span style="font-style:normal"><span style="font-variant-caps:normal"><span style="font-weight:400"><span style="letter-spacing:normal"><span style="orphans:auto"><span style="text-transform:none"><span style="white-space:normal"><span style="widows:auto"><span style="word-spacing:0px"><span style="text-decoration:none"><span style="caret-color:#222222"><span style="color:#222222"><span style="font-family:Arial, Helvetica, sans-serif">&nbsp;</span></span></span></span></span></span></span></span></span></span></span></span></span></p> <br class="Apple-interchange-newline" style="caret-color:#000000; color:#000000; font-style:normal; font-variant-caps:normal; font-weight:400; letter-spacing:normal; orphans:auto; text-align:start; text-indent:0px; text-transform:none; white-space:normal; widows:auto; word-spacing:0px; -webkit-text-stroke-width:0px; text-decoration:none" /> <br class="Apple-interchange-newline" /> &nbsp;