By Research desk
Market Performance Recap:
Indian equity markets witnessed a challenging month in May 2026, with benchmark indices ending lower amid persistent foreign outflows and global uncertainties. The Nifty 50 declined 1.9% during the month, while the Sensex fell 2.8%. Market sentiment weakened further towards the end of the month due to MSCI Global Standard Index rebalancing, which resulted in passive outflows of over US$1.5 billion from Indian equities, along with concerns regarding the monsoon outlook.
Foreign investor activity remained a key drag on the market. FIIs were net sellers to the tune of ₹55,963 crore during May, taking cumulative foreign outflows in 2026 to nearly ₹2.25 lakh crore. Domestic institutional investors continued to provide support and helped absorb a significant portion of these outflows, limiting the overall downside in the market.
Despite the weakness in benchmark indices, the Q4FY26 earnings season was encouraging. The broader market reported revenue growth of 12% YoY and profit growth of 15% YoY, reflecting healthy underlying business momentum despite a challenging global environment.
Crude oil continued to be one of the most important external factors influencing market sentiment. Brent crude traded in the range of US$103-113 per barrel during the month amid geopolitical tensions in West Asia and concerns over potential supply disruptions around the Strait of Hormuz. The elevated crude prices, along with continued foreign selling, put pressure on the rupee, which touched a record low of 95.40 against the US dollar during the month before closing near 95.0.
India’s external sector also remained under focus. The balance of payments recorded a deficit of US$30.8 billion in FY26 compared to a deficit of US$4.9 billion in FY25. The merchandise trade deficit widened 17.5% YoY to US$333.2 billion, driven largely by a 24.1% increase in gold imports to US$72 billion and a 17.8% rise in electronic goods imports to US$116.2 billion.
Moving into June, market sentiment has remained mixed so far. The month began on a weak note as concerns around elevated crude oil prices, a weaker rupee, continued FII outflows and uncertainty surrounding the monsoon weighed on investor sentiment. The Nifty briefly slipped below the 23,400 mark in the initial days of the month before recovering some of the losses.
Crude oil, rupee movement and foreign investor activity continue to remain the key factors driving market direction. While domestic economic indicators and corporate earnings remain supportive, the market is likely to remain sensitive to developments in West Asia.
Sectoral performance
May 2026 was characterised by a clear preference for defensive sectors, while economically sensitive and cyclical segments remained under pressure amid persistent FII outflows, elevated crude oil prices and broader market weakness. Unlike April’s broad-based recovery, sectoral performance in May was highly divergent, with only a handful of sectors delivering positive returns.
Media emerged as the best-performing sector during the month, gaining ~5.0%, supported by stock-specific developments and improving sentiment after a prolonged period of underperformance. Banking-related segments also displayed relative resilience, with Nifty Bank rising ~3.2% and PSU Banks gaining ~3.0%. The performance was aided by healthy credit growth, stable asset quality trends and expectations of a supportive interest rate environment. Pharma was another notable outperformer, advancing ~1.7% during the month as investors rotated towards defensive sectors amid rising market volatility.
Financial Services remained largely flat, ending the month marginally positive at ~0.1%, reflecting selective participation within the broader financial space. In contrast, IT continued to face challenges, declining ~0.3% during the month. Concerns around global growth, weak discretionary spending trends and a cautious outlook from overseas clients continued to weigh on sentiment towards the sector.
The broader weakness was more visible across domestic cyclical sectors. Auto declined ~0.4%, while Infrastructure fell ~2.3% as investors turned cautious on capital-intensive and growth-sensitive businesses. Realty was among the weakest-performing sectors, falling ~2.7%, with the sector witnessing profit booking following the sharp gains seen in previous months. Elevated borrowing costs and a moderation in risk appetite also contributed to the underperformance.
Commodity-linked sectors faced the sharpest correction during the month. Energy declined ~2.9%, while Metals fell ~4.2% and Commodities dropped ~4.6%. The weakness reflected concerns around global demand, volatile commodity prices and continued uncertainty surrounding global trade and economic growth. FMCG also underperformed, declining ~4.1%, despite its defensive nature, as investors remained concerned about input cost pressures arising from higher crude oil prices and a weaker rupee.
The broader market continued to lag benchmark indices. Nifty Midcap 100 declined ~1.4%, while Nifty Smallcap 100 fell ~1.6%, indicating a moderation in risk appetite after the strong rally witnessed in previous months. Overall, May witnessed a clear shift towards quality and defensiveness, with Pharma and select financial segments outperforming, while commodities, real estate and other cyclical sectors bore the brunt of the correction.
In the following sections, we provide a more comprehensive examination, outlook and detailed insights of some major sectors:
Auto:
India’s automobile sector continued to witness healthy demand conditions in May 2026, with overall wholesale volumes across key vehicle categories growing 23.6% YoY and 4.2% sequentially. Demand remained supported by a favourable base, improving rural sentiment, steady urban consumption and increasing acceptance of electric vehicles. While higher fuel prices and weather-related disruptions impacted customer enquiries in certain regions, the overall demand environment remained stable.
Passenger vehicles remained a key growth driver during the month, with industry wholesales rising 33.7% YoY. Demand continued to be led by utility vehicles, supported by healthy booking pipelines, new product launches and growing consumer preference for fuel efficient and alternative fuel vehicles. The shift towards electric vehicles and CNG-powered vehicles also remained supportive for industry growth, particularly amid elevated fuel prices.
The two wheeler segment maintained steady momentum, with wholesales increasing 15.3% YoY. Demand was supported by improving rural incomes, healthy retail activity and continued traction in scooters, premium motorcycles and electric two wheelers. Export markets also showed signs of recovery, providing an additional growth driver for the segment. While enquiry levels moderated slightly compared to previous months, underlying demand trends remained healthy.
The commercial vehicle segment delivered a mixed performance. Overall industry volumes grew 14.2% YoY, supported by demand for light commercial vehicles, pick-up vehicles and infrastructure-linked transportation. However, medium and heavy commercial vehicle demand remained relatively subdued due to elevated fuel costs, weak freight availability and pressure on fleet operator profitability. Industry data also suggests that excess fleet capacity continues to weigh on replacement demand across certain categories.
Rural demand remained a key pillar for the sector during the month. Tractor sales increased 22.9% YoY, supported by healthy reservoir levels, favourable farm economics and positive expectations for the upcoming Kharif season. Strong rural cash flows and stable agricultural activity continued to support demand across both tractors and entry-level vehicle categories.
Overall, the May data indicates that the auto sector continues to benefit from resilient domestic demand across most segments. Passenger vehicles, two wheelers and tractors remain well supported by favourable consumption trends, while commercial vehicles continue to face some near-term challenges linked to freight activity and operating costs. Going forward, monsoon progress, fuel prices, rural income trends and consumer sentiment will remain key factors influencing sector performance.
Metal:
India’s metals sector witnessed a relatively soft operating environment during May 2026, with steel demand remaining moderate and buyers largely adopting a need based procurement approach. While domestic steel prices remained broadly stable during the month at around ₹58,500 per tonne, demand conditions continued to be influenced by elevated inventories and cautious purchasing activity across end-user industries.
On the supply side, steel production moderated across key geographies. Domestic steel output declined sequentially during April, while global production trends also softened, reflecting a combination of seasonal factors and cautious demand conditions. In China, weaker domestic consumption led producers to continue focusing on export markets, resulting in higher steel exports during the month.
Raw material trends were supportive for steel producers. Domestic iron ore prices corrected meaningfully during May, while international iron ore prices also witnessed a marginal decline. At the same time, coking coal prices moved higher due to supply disruptions, partially offsetting the benefit of lower iron ore costs. On balance, the decline in iron ore prices is expected to provide some support to operating margins for steel manufacturers.
India’s trade position remained under pressure, with the country continuing to witness higher steel imports than exports. Although both imports and exports declined sequentially during April, imports remained elevated, led primarily by supplies from other Asian markets. This continues to create a competitive pricing environment for domestic producers.
Looking ahead, the sector appears to be entering a phase of stable pricing but relatively moderate demand growth. Steel realisations remain healthy compared to historical levels, while lower iron ore costs could support profitability. However, global steel supply trends, Chinese export activity and developments in commodity markets will remain important factors to monitor. Any easing of geopolitical tensions and supply chain disruptions could improve global trade flows and influence steel pricing dynamics in the coming months.
Overall, the operating environment for the metal sector remains balanced, with supportive pricing and input cost trends offset by moderate demand conditions and competitive import pressures. The near-term outlook remains dependent on domestic demand recovery, global steel trade flows and the direction of raw material prices.
Insurance:
The life insurance sector continued to report healthy growth in May 2026, although growth moderated from the exceptionally strong levels seen at the beginning of the financial year. Industry individual APE (Annualised Premium Equivalent) grew 13.3% YoY during the month, indicating that demand for life insurance products remains healthy despite a more challenging market environment. Private insurers reported individual APE growth of 12.4% YoY, reflecting continued traction across retail insurance products.
Growth trends were somewhat mixed across business segments. While individual business continued to perform well, group business witnessed some moderation during the month. Industry group APE declined 9.3% YoY, primarily due to a softer contribution from corporate and institutional business. As a result, overall industry APE growth stood at 8.4% YoY, lower than the strong levels witnessed in recent months.
New business generation remained positive, although growth normalised after the sharp surge seen in April. Industry new business premium (NBP) grew 5.1% YoY during May, while individual NBP increased 11.9% YoY. This suggests that retail demand continues to remain healthy, even as customers become more selective amid market volatility and evolving interest rate expectations.
Market share trends remained favourable for private insurers. The private sector accounted for approximately 69% of individual APE during May, compared to 66.9% in April, highlighting continued strength in distribution and customer acquisition. Private insurers also maintained a 61.1% share of total APE, reflecting their strong presence across both protection and savings products.
From a product perspective, protection and participating products continue to support growth across the sector. At the same time, demand for certain market linked and non par savings products remains relatively volatile. The gradual recovery in credit protection products is also expected to support growth over the coming quarters as lending activity remains healthy.
On the profitability front, the outlook remains stable. As the impact of regulatory and taxation related changes witnessed over the past year gradually normalises, insurers are expected to benefit from a more favourable product mix and improving operating leverage. This should help support margins even if premium growth moderates from the elevated levels seen in recent quarters.
Overall, May reflected a phase of normalisation rather than weakness for the life insurance sector. Individual business growth remains healthy, market share trends continue to favour private insurers and profitability drivers are gradually improving. While group business and overall new business growth were softer compared to previous months, the long term outlook remains supported by increasing insurance penetration, rising financial awareness and steady demand for protection and long term savings products.
Hospitality:
The hospitality sector continued to witness healthy operating trends in May 2026, although growth moderated from the exceptionally strong levels seen over the past few quarters. Demand remained supported by domestic leisure travel, business travel and MICE activity, helping the sector maintain occupancy levels at historically healthy levels despite seasonal softness in certain markets.
Revenue growth across the organised hotel sector remained healthy, supported by sustained pricing power. Average room rates continued to remain significantly above pre pandemic levels, while occupancy trends remained stable across key business and leisure destinations. As a result, RevPAR growth remained positive, reflecting the sector’s ability to maintain strong realisations despite a gradual increase in room supply.
Domestic travel continued to be the primary growth driver for the industry. Strong leisure demand, improving connectivity and rising travel spending supported occupancy across major destinations. Corporate travel also remained healthy, particularly in large metropolitan markets, while demand from weddings, conferences and other events continued to provide an additional source of revenue for hotels.
Industry expansion activity remained robust during the month. Hotel operators continued to add new properties and sign management contracts across both established and emerging markets, reflecting confidence in the long term demand outlook. Expansion remained concentrated in the upscale, upper upscale and luxury segments, where demand growth continues to outpace supply additions.
Investment activity within the sector also remained strong. Operational assets accounted for nearly 69% of hotel transaction volumes during 2025, indicating investor preference for income generating properties with established operating performance. Premium segments continued to attract the majority of capital, with luxury and upscale hotels together accounting for more than 80% of transaction activity.
The long term outlook for the sector remains favourable, supported by rising domestic tourism, increasing air travel, expanding business travel and growing demand from tier II and tier III cities. While near term performance may remain influenced by seasonal factors and global uncertainties, the demand supply balance across most key markets continues to remain supportive for occupancy and room rates.
Overall, May reflected a phase of normalisation rather than a slowdown for the hospitality sector. Strong travel demand, healthy pricing trends, continued expansion and sustained investor interest indicate that sector fundamentals remain favourable despite some moderation in growth compared to the exceptionally strong performance witnessed over the last few years.
Important events & updates
A few important events of the last month and upcoming ones are as below:
- The RBI kept the repo rate unchanged at 5.25% in its June policy meeting, while retaining a neutral stance. At the same time, the central bank revised its FY27 GDP growth forecast to 6.6% from 6.9% and increased its FY27 inflation estimate to 5.1% from 4.6%, reflecting concerns around higher crude oil prices, global uncertainty and weather-related risks.
- India’s economic growth remained stronger than expected, with Q4 FY26 GDP growth at 7.8% and full-year FY26 GDP growth at 7.7%. Growth was supported by healthy domestic demand, government spending and continued momentum in construction and investment activity.
- Gross GST collections for May 2026 stood at ₹1.94 lakh crore, up 3.2% YoY, while net GST collections rose 3.3% YoY to ₹1.67 lakh crore. Although growth moderated from April’s record collections, the data continued to indicate healthy formalisation of the economy and steady business activity.
- India’s manufacturing PMI improved to 55.0 in May from 54.7 in April, reaching a three-month high. The increase was driven by stronger production, healthy order inflows and sustained domestic demand, indicating continued expansion in manufacturing activity.
- India’s external sector remained under pressure during FY26, with the Balance of Payments recording a deficit of US$30.8 billion, compared to a deficit of US$4.9 billion in FY25. The merchandise trade deficit widened 17.5% YoY to US$333.2 billion, largely due to higher imports of gold and electronic goods, keeping currency stability and external balances in focus.
- Inflation expectations have started to move higher, with CPI inflation for May estimated at around 4.0%, compared to 3.48% in April. The increase was primarily driven by higher food and fuel prices and remains an important factor influencing RBI policy expectations.
- Corporate earnings remained healthy despite market volatility. For Q4 FY26, the broader market reported 12% YoY revenue growth and 15% YoY profit growth, indicating that underlying business conditions remain supportive despite global uncertainties and weaker market sentiment.
- Crude oil prices continued to remain elevated, with Brent crude largely trading in the US$100 –113 per barrel range over recent weeks. Higher oil prices remain a key monitorable for India as they influence inflation, the trade deficit, currency movement and corporate profitability across several sectors.
Fundamental outlook:
The Indian market continues to navigate a phase where domestic economic resilience is being balanced against evolving global challenges. While concerns around crude oil prices have moderated compared to the previous month, inflation, currency movement and global growth remain key factors influencing sentiment. Brent crude has corrected from the elevated levels seen earlier and is currently trading in the US$92–93 per barrel range, providing some relief on inflationary pressures, current account concerns and corporate input costs.
Despite the correction in crude prices, inflation remains an important monitorable. The RBI, in its latest policy review, retained the repo rate at 5.25% and maintained a neutral stance, while revising its FY27 CPI inflation forecast upward to 5.1%. The revision reflects concerns around higher industrial input costs, weather-related uncertainties and the potential impact of global commodity price volatility on domestic inflation.
The Indian Rupee continues to trade in the 95.3–95.7 range against the US Dollar, remaining close to historic lows. While the currency has stabilised compared to the sharp depreciation witnessed earlier, the weaker exchange rate continues to contribute to imported inflation and keeps pressure on sectors dependent on imported inputs.
Domestic economic activity remains healthy, although signs of moderation are visible in some indicators. Gross GST collections for May stood at ₹1.94 lakh crore, reflecting 3.2% YoY growth. While collections remain at healthy absolute levels, the pace of growth has moderated compared to the stronger trends witnessed earlier in the year, indicating a more measured pace of economic expansion.
Corporate earnings continue to provide support to market valuations. During Q4 FY26, listed companies reported approximately 14% YoY revenue growth and 11% YoY profit growth, highlighting the resilience of corporate India despite a challenging external environment. However, management commentary across sectors has become relatively cautious, with companies increasingly focused on managing higher input costs and protecting margins amid a volatile macro environment.
From a flow perspective, domestic institutional participation continues to provide stability to the market. However, foreign investor sentiment remains sensitive to global interest rate expectations, currency movements and geopolitical developments. As a result, market direction is likely to remain influenced by the balance between strong domestic liquidity and fluctuating foreign flows.
Compared to our previous outlook, one notable development has been the moderation in crude oil prices, which has eased some of the pressure on inflation expectations and external balances. However, the expected improvement in market sentiment has been offset by continued concerns around global growth, elevated inflation expectations and cautious foreign investor positioning.
Overall, the fundamental backdrop remains stable, supported by healthy economic growth, resilient corporate earnings and strong domestic liquidity. At the same time, inflation, currency stability and global macro developments continue to limit the scope for a sharp re-rating in the near term. The market is therefore likely to remain driven by earnings delivery, policy developments and external risk factors over the coming weeks.
Technical outlook.
The market has largely validated our cautious stance from the previous month. While we had highlighted the possibility of a range bound market, the Nifty failed to sustain above key resistance levels and subsequently drifted lower. The expected breakout above resistance zones did not materialise, indicating that broader market sentiment remains subdued amid persistent global uncertainties and cautious investor positioning.
The Nifty 50 is currently trading near 23,160, having slipped below the important 23,500 to 23,750 zone, which previously acted as support and now becomes an important resistance area. The index is also trading below key short and medium term moving averages, reflecting weakness in near term momentum.
From an Open Interest perspective, the highest Put concentration is currently visible around the 23,000 strike, making it the immediate support zone for the market. Below this, meaningful Put positioning is visible around 22,800 and 22,500, suggesting that these levels could provide stronger support in the event of further weakness. A decisive breach below 23,000 may result in increased volatility and could lead to a move towards the 22,500 to 22,800 range.
On the upside, the highest Call Open Interest is concentrated around the 23,500 strike, followed by 24,000, indicating that traders continue to view these levels as key resistance zones. The Nifty would need to sustain above 23,500 to improve sentiment and create room for a move towards 24,000. Until then, recovery attempts are likely to face selling pressure at higher levels.
Momentum indicators continue to remain weak. The RSI is currently around 37 to 38, suggesting that the market remains in a corrective phase rather than a strong trending environment. While the index is approaching important support levels, there is currently limited evidence of a sustained reversal in momentum.
Overall, the technical structure remains cautious in the near term. Open Interest positioning suggests a broad trading range of 23,000 to 23,500, with a decisive move beyond either end of this range likely to determine the next directional trend. Until the Nifty reclaims the 23,500 level on a sustained basis, the market is likely to remain consolidation oriented, with stock specific opportunities continuing to outperform broad based market participation.
Outlook for the Global Market
US Market:
The US market continues to remain on a strong footing, although the sharp rally seen over the past few months has given way to a phase of consolidation as investors balance strong earnings growth against rising inflationary pressures and geopolitical uncertainty.
On the fundamental side, corporate earnings remain supportive, with nearly 84% of S&P 500 companies reporting earnings above market expectations during the first quarter of 2026. Technology continues to drive market performance, supported by the ongoing AI investment cycle. Large technology companies are expected to collectively invest more than USD 700 billion towards AI infrastructure over the coming years, reflecting confidence in the long term growth potential of the sector. However, investors are now paying closer attention to whether these large investments can translate into sustainable earnings growth and margin expansion, rather than simply rewarding spending announcements.
The broader economic backdrop remains healthy, although signs of moderation are beginning to emerge. Inflation has remained stickier than expected, particularly due to higher energy and industrial input costs. This has led markets to increasingly price in a prolonged higher interest rate environment, with expectations of monetary easing being pushed further out. Energy prices continue to remain a key variable, as disruptions around the Strait of Hormuz have kept crude oil prices elevated despite some improvement in Middle East tensions. Higher energy costs could weigh on both consumer spending and corporate profitability if they remain elevated for an extended period.
Investor sentiment has also become more cautious compared to the optimism seen during April and May. While the long term outlook remains constructive, recent market action suggests some rotation towards defensive sectors as investors lock in profits following the strong rally in AI and technology stocks. Elevated valuations across certain segments of the market have also made investors more sensitive to any negative macroeconomic surprises.
From a technical perspective, the market appears to be entering a consolidation phase after its strong up move. The S&P 500 is currently trading in the 7,380 to 7,450 range and has struggled to sustain momentum near record highs. The index has slipped below its short term moving average, indicating some loss of momentum in the near term. Meanwhile, the Nasdaq 100 has witnessed increased profit booking and is trading below both its 10 day and 20 day moving averages, reflecting a more cautious stance towards technology stocks after their exceptional performance over the past year.
Market volatility has also picked up, with the VIX hovering around the 20 mark, indicating that investors are becoming increasingly cautious ahead of key economic data releases. Derivative positioning further suggests that market participants are preparing for a range bound environment, with notable call writing near higher resistance levels and protective put positions emerging around important support zones.
Overall, while the structural outlook for US equities remains positive, supported by resilient earnings growth, continued AI led investments and a still expanding economy, the near term outlook has become more balanced. Sticky inflation, elevated energy prices and expectations of interest rates remaining higher for longer are likely to keep markets volatile. As a result, the market may continue to witness periods of consolidation in the short term, although the broader trend remains constructive as long as economic growth and corporate earnings continue to hold up.
Outlook for Gold
Gold has witnessed a meaningful correction over the past month after a strong rally earlier this year, as rising bond yields and expectations of a prolonged higher interest rate environment weighed on investor sentiment. Despite the recent weakness, the long term outlook remains supported by central bank buying, geopolitical uncertainties and gold’s role as a hedge against inflation.
On the fundamental side, inflation remains a key driver. Elevated energy prices and resilient economic data in the US have pushed back expectations of rate cuts, with markets increasingly pricing a higher for longer interest rate regime. This has strengthened the US dollar and increased real yields, creating near term pressure on gold prices. At the same time, central bank demand remains robust, providing an important structural support to the metal.
Gold prices have corrected sharply over the last 30 days. Domestic gold prices, which were trading around ₹1.58 lakh to ₹1.59 lakh per 10 grams in late May, have fallen towards ₹1.49 lakh to ₹1.50 lakh per 10 grams, representing a decline of nearly 6% in less than a month. MCX Gold futures recently slipped to around ₹1,49,500 per 10 grams, their lowest level since early May.
Investor sentiment has also turned more cautious. The sharp correction in global bullion prices has led to profit booking, while improving risk appetite towards equities has reduced near term safe haven demand. Physical demand in India remained subdued for most of the month due to volatile prices and the end of the wedding season, although the recent correction could encourage buyers to return at lower levels.
From a technical perspective, gold has moved into a consolidation phase after witnessing one of its strongest rallies in recent years. The recent decline has pushed prices nearly 15% below their March peak and more than 18% below the January all time high. However, the broader trend remains positive as prices continue to trade well above levels seen a year ago. Immediate support is placed near ₹1.48 lakh per 10 grams, while ₹1.55 lakh to ₹1.58 lakh remains a strong resistance zone. A sustained move above this range could revive bullish momentum, while a break below ₹1.48 lakh may lead to further short term weakness.
Overall, the near term outlook for gold remains cautious as sticky inflation, elevated bond yields and expectations of higher interest rates continue to create headwinds. However, continued central bank buying, geopolitical risks and long term diversification demand continue to provide strong support to the asset class. While some consolidation may persist in the short term, the broader outlook remains constructive, particularly if inflation begins to moderate or geopolitical tensions re escalate.
What can Investors do?
The overall view on Indian equities remains broadly unchanged from the previous month. While near term market sentiment has weakened and volatility has increased, the broader investment case for India continues to remain supported by resilient domestic economic activity, healthy corporate balance sheets and sustained domestic participation in financial markets.
Over the past month, the market has largely remained in a consolidation phase as investors assessed the implications of higher inflation expectations, currency weakness and evolving global developments. While these factors have limited upside in the near term, they have not materially altered the medium term growth outlook for the economy or corporate sector.
At the current juncture, market participants are likely to remain focused on incoming inflation data, the trajectory of crude oil prices, currency stability and the pace of foreign investor flows. These variables are expected to influence sentiment and determine whether the market can move out of its current consolidation phase.
From an allocation perspective, the environment continues to favour a balanced and selective approach rather than aggressive positioning. Periods of volatility may continue in the near term, particularly given the uncertain global backdrop. However, such phases have historically also created opportunities to gradually build exposure to quality businesses with strong fundamentals and earnings visibility.
Overall, while the near term outlook remains cautious, the medium term picture continues to be constructive. We believe maintaining a disciplined and diversified approach remains appropriate, with a focus on long term fundamentals rather than short term market fluctuations. Investors should continue to align portfolio decisions with their risk profile, investment objectives and time horizon.
Investors are advised to consult their financial advisors before making any investment decisions. This view does not constitute investment advice.
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