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Dear Rakhiji as per your advice I have been sending Love Serum To LIC agent, and Total Wealth Serum, Golden Sunrise, and All Clear Serum to the Surrender Process and also Total Wealth Serum and Golden Sunrise to my son's bank account . . . Today [30.12.17] I got a letter that the money has been deposited in his account. My intention all along had been that I should receive the money before 31st December. Thank you Sharat Sir for VK. Thank you Divine VK. Thank you Rakhiji for your advice.